Route spending through 8 Marriott Bonvoy Points per ₹150 at participating hotels (product page 2026-09-17); ₹0.50 per point.
Earn 1.3× here — 1.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Travel & Lifestyle
HDFC BANK · MARRIOTT BONVOY HDFC BANK CREDIT CARD
Marriott Bonvoy HDFC Bank Credit Card
ANNUAL FEE
₹3,000
FIRST-YEAR NET VALUE
₹45,812 for a mid spender · travel
HDFC BANK Marriott Bonvoy HDFC Bank
MASTERCARD
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 730+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹45,812 first-year net value · mid spender · travel
Category rewards ₹16,812
Milestone bonus· 1 Free Night Award (up to 15,000 points); 1 Free Night Award (up to 15,000 points); 1 Free Night Award (up to 15,000 points) + ₹24,000
Welcome benefit· Welcome reward points ₹8,000
Annual fee − ₹3,000
Net first-year value ₹45,812
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.67% back on eligible spends 2 pts 2 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.3% back
8 Marriott Bonvoy Points per ₹150 at participating hotels (product page 2026-09-17); ₹0.50 per point · 1.3%
4 Marriott Bonvoy Points per ₹150 (product page 2026-09-17); ₹0.50 per point · 0.7%
Everything else (base) · 0.7%
MILESTONES Cumulative bonuses at annual spend tiers
₹6L 1 Free Night Award (up to 15,000 points)
₹9L 1 Free Night Award (up to 15,000 points)
₹15L 1 Free Night Award (up to 15,000 points)
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Don't sleep on 4 Marriott Bonvoy Points per ₹150 (product page 2026-09-17); ₹0.50 per point.
The second tier earns 0.7× (0.7% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹3,000 · + 18% GST · one-time
Annual fee (year 2+) ₹3,000
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
12 domestic visits per year. Primary cardholder.
Welcome voucher
₹8,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Marriott Bonvoy HDFC Bank Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Base earn corrected to 2 Marriott Bonvoy Points per ₹150 on other spends (file had 4); 4 points per ₹150 on travel, dining and entertainment and 8 at Marriott hotels recorded; the ₹3L fee waiver removed because the product FAQ says the programme offers no fee waiver; Free Night Award milestones at ₹6L, ₹9L and ₹15L (file had only ₹6L); welcome package includes 10 Elite Night Credits and Silver Elite; golf lessons and course access recorded. Fee ₹3,000 + taxes and 12 lounge visits in India re-verified; product URL corrected (old path 404s). Base reward rate halves and the fee is never waived, so the card ranks lower for non-Marriott spend; heavy spenders gain two extra Free Night milestones
- 24 Feb 2026 Added enriched Marriott Bonvoy HDFC card profile with official snippet-verified fees, rewards and benefits Closes a major hotel co-brand coverage gap in the India catalog
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: HDFC Marriott Bonvoy card page snippets (official), HDFC Marriott fee page snippet (official), HDFC Marriott FAQ snippet (official), HDFC Marriott value chart snippet (official), hdfc.bank.in. Next scheduled review: 17 Mar 2027.