Marriott Bonvoy HDFC Credit Card
Housing Development Finance Corporation Housing Development Finance Corporation

Marriott Bonvoy HDFC Credit Card

/assest/image/icons/travel.svg Travel
/assest/image/icons/lounge-access.svg Airport Lounge Access
MyBankingTips Rating

Joining Fee: ₹3000* Plus Applicable Taxes

Renewal Fee: ₹3000*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Hotel Benefits Hotel Benefits
MyBankingTips Rating

Joining Fee: ₹3000* + Tax

Renewal Fee: ₹3000* + Tax

Updated on March 02, 2026

Author: MybankingTips Team

Welcome benefits:- 1 Free Night Award (up to a value of 15,000 Marriott Bonvoy Points) on making the first eligible transaction1 or on levy of joining fee.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

8 ptsPer ₹150 at Marriott Hotels
4 ptsPer ₹150 Travel & Dining
4Free Night Awards Possible
12+12Domestic + International Lounge

About Marriott Bonvoy HDFC Bank Credit Card

The Marriott Bonvoy HDFC Bank Credit Card is India's first hotel co-branded credit card, launched in partnership between HDFC Bank and Marriott International. It is designed for frequent travellers and loyal Marriott guests who want to earn rewards exclusively within the Marriott Bonvoy ecosystem — and redeem them for luxury hotel stays, Free Night Awards, and Moments experiences at over 9,000 Marriott properties worldwide.

If you love staying at Marriott properties — whether it's the budget-friendly Fairfield, the upscale Westin, the iconic JW Marriott, or the ultra-luxurious St. Regis or Ritz-Carlton — this card is tailor-made for your lifestyle. With a joining and annual fee of ₹3,000 + GST, the card delivers a Free Night Award worth up to 15,000 Bonvoy points just for activating it, making it self-funding from Day 1.

The card earns up to 8 Marriott Bonvoy points per ₹150 spent at participating Marriott hotels, 4 points on travel, dining and entertainment spends, and 2 points on all other eligible purchases. Cardholders also receive complimentary Silver Elite Status, 10 Elite Night Credits, lounge access, golf benefits, and comprehensive travel insurance — making it an outstanding hotel loyalty card for the price.

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Who is this card for? The Marriott Bonvoy HDFC Bank Credit Card is ideal for frequent business and leisure travellers who prefer Marriott properties, want to fast-track their Bonvoy Elite status, and love the idea of earning free hotel nights simply by spending on their credit card. If you stay at Marriott 4+ times a year, this card pays for itself easily.

Marriott Bonvoy Points Program

The card follows a tiered Bonvoy points earning structure — more points where it matters most (Marriott stays), and solid earning everywhere else:

🏨
8 pts

Per ₹150 at Marriott Hotels

On all eligible spends at Marriott Bonvoy participating hotels worldwide. No monthly cap.

✈️
4 pts

Travel, Dining & Entertainment

On flights, hotels (non-Marriott), restaurants, entertainment & travel bookings. Monthly cap applies.

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2 pts

All Other Eligible Spends

On all other card transactions including shopping, utilities & insurance. Grocery capped at ₹1.5L/month.

Points Earning Rules & Exclusions

Category Points per ₹150 Cap / Note
Marriott Bonvoy participating hotels 8 pts No cap
Travel, Dining & Entertainment 4 pts Monthly cap applies
All other eligible spends 2 pts No cap (except grocery)
Grocery 2 pts Capped at ₹1.5 lakh/month
Insurance 2 pts No cap
EMI / Smart EMI transactions Only downpayment eligible Interest/fees excluded
Fuel, Rent, Wallet loads ❌ Not eligible for Bonvoy points
Gift cards / Prepaid card loads ❌ Not eligible for Bonvoy points

Redeeming Marriott Bonvoy Points

Bonvoy points earned on this card are credited directly to your Marriott Bonvoy loyalty account and can be redeemed across the entire Marriott ecosystem:

🌟 St. Regis ✨ Ritz-Carlton 🏢 JW Marriott 🏖️ W Hotels 🛎️ Westin 🌿 Le Méridien 🏨 Sheraton 🌅 The Luxury Collection 🏡 Marriott Hotels 🎯 Courtyard 🛌 Fairfield 🎪 Bonvoy Moments™ Experiences
💡

Points Expiry: Marriott Bonvoy points do not expire as long as you have at least one qualifying activity (card spend, hotel stay, dining, etc.) within any 24-month period in your Marriott Bonvoy member account. Very favourable compared to most reward programmes.

Features & Benefits

✈️ Airport Lounge Access

🛫

12 Domestic Lounge Visits Per Year

Complimentary access to domestic airport lounges across India — at both domestic and international terminals — using your Marriott Bonvoy HDFC Bank Credit Card. That's 1 free visit per month.

🌏

12 International Lounge Visits Per Year

Enjoy 12 complimentary international airport lounge visits annually at select premium global lounges. Primary cardholder only; add-on cardholders also get complimentary access subject to terms.

⛳ Golf Benefits

⛳

2 Complimentary Golf Rounds Per Quarter

Get 2 free green-fee golf course access every quarter at select premium golf courses across India and internationally — 8 complimentary rounds per year in total.

🏌️

2 Golf Lessons Per Quarter

Enjoy 2 complimentary golf coaching lessons per quarter (minimum 30 minutes each, including green fees) at select driving ranges across India. Golf Concierge available 9 AM–9 PM at 18003093100.

🛡️ Travel Insurance Coverage

✈️

Air Accident Cover — ₹10 Lakhs

Complimentary air accidental death cover of up to ₹10 lakhs for the primary cardholder on flights booked using the Marriott Bonvoy HDFC Bank Credit Card.

🏥

Emergency Medical Expenses — ₹15 Lakhs

Coverage for emergency medical expenses incurred overseas of up to ₹15 lakhs, providing financial protection during international travel emergencies.

🧳

Baggage Delay / Loss Cover — $250

Covers delay or loss of checked-in baggage up to $250. Also includes loss of travel documents coverage up to $250 and flight delay compensation up to $250.

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Credit Shield — ₹1 Lakh

Credit Shield insurance cover of up to ₹1 lakh, plus Loss Liability Cover of ₹1 lakh in case of fraudulent card transactions following a lost/stolen card report.

🍽️ Dining & Lifestyle Benefits

🥂

20% Off at Marriott Restaurants & Bars

Get 20% off on food and beverages at select participating Marriott restaurants and bars until 31 August 2026. A great perk for frequent Marriott diners — not just hotel guests.

🤵

24×7 Concierge Services

Access personal concierge services from 9 AM to 9 PM by calling toll-free 18003093100 or emailing support@marriotthdfcbank.com for travel, dining, and lifestyle assistance.

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Contactless Payments

Enabled for contactless payments for fast and secure transactions at retail outlets. Note: contactless on Diners Club cards is accepted at HDFC Bank POS machines; PIN required at other terminals.

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Smart EMI Conversions

Convert large purchases into easy monthly instalments (EMI) after the transaction using HDFC's Smart EMI feature. Note: only the downpayment portion earns Bonvoy points on EMI transactions.

Milestone Benefits — Up to 4 Free Night Awards

In addition to the welcome Free Night Award, you can earn up to 3 additional Free Night Awards (each worth up to 15,000 Bonvoy points) by hitting annual spending milestones on your Marriott Bonvoy HDFC Bank Credit Card:

🌙
₹6 Lakh

1st Milestone Free Night Award

Earn your 1st additional Free Night Award (up to 15,000 pts) on crossing ₹6 lakh in annual card spends.

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₹9 Lakh

2nd Milestone Free Night Award

Earn your 2nd additional Free Night Award (up to 15,000 pts) on crossing ₹9 lakh in annual card spends.

🌕
₹15 Lakh

3rd Milestone Free Night Award

Earn your 3rd additional Free Night Award (up to 15,000 pts) on crossing ₹15 lakh in annual card spends.

🌟

Maximum value unlocked: Including the welcome Free Night Award + 3 milestone awards, you can earn 4 Free Night Awards per year — each redeemable for a complimentary night at a Marriott property like Fairfield by Marriott Goa (worth ~₹10,000/night). That's potential savings of ₹40,000 in hotel stays, far exceeding the ₹3,000 annual fee.

Complimentary Silver Elite Status

🥈 Silver

Marriott Bonvoy Silver Elite Status — Free with Card Activation

Upon activating your Marriott Bonvoy HDFC Bank Credit Card, you automatically receive Silver Elite status in the Marriott Bonvoy loyalty programme — a status normally requiring 10 nights of hotel stays per calendar year. You also receive 10 Elite Night Credits annually to help accelerate your path to the next tier (Gold Elite, which needs 25 nights).

+10% Bonus Points on Hotel Stays Member-Only Room Rates Priority Late Checkout Free In-Room Wi-Fi 10 Elite Night Credits/Year

Silver Elite members earn a 10% bonus on Marriott Bonvoy points from hotel stays, get access to exclusive member rates, priority late checkout (subject to availability), and complimentary in-room internet access at participating properties. The 10 Elite Night Credits per year credited to your account help you climb towards Gold Elite (25 nights) faster — especially if you combine card usage with actual hotel stays.

Welcome & Renewal Benefits

Benefit Details
Free Night Award (Welcome) 1 Free Night Award (valued at up to 15,000 Bonvoy Points) on first eligible transaction or joining fee levy — valid for 1 year
Silver Elite Status Complimentary Marriott Bonvoy Silver Elite status upon card activation
10 Elite Night Credits 10 Elite Night Credits credited every calendar year to accelerate status upgrade
Priority Pass (Lounge) 12 domestic + 12 international complimentary lounge visits per year from date of card opening
Golf Welcome Access Golf course and lesson access begins immediately upon card activation
Free Night Award (Renewal) 1 Free Night Award (valued at up to 15,000 Bonvoy Points) on card renewal fee realization each year
Approval Timeline Card approval in 3–5 business days; delivery in 7 working days post approval
🎯

Immediate Activation Requirement: Activate your card within 30 days of the Card Open Date (RBI mandate). A 7-day grace period applies, after which the card will be closed. Activate via first transaction, OTP, IVR, or setting your PIN through MyCards.

Turn every spend into a luxury hotel night.

Apply for the Marriott Bonvoy HDFC Bank Credit Card and start earning Bonvoy points — plus get a Free Night Award on Day 1.

Apply Now → Ask Our Expert

Fees & Charges

Fee Type Amount
Joining Fee ₹3,000 + GST
Annual Renewal Fee ₹3,000 + GST (No waiver available)
Interest Rate 3.6% per month (43.2% per annum)
Interest-Free Period Up to 50 days from purchase date
Minimum Amount Due 5% of total outstanding or ₹200, whichever is higher
Foreign Currency Markup Standard HDFC rate (Diners Club network)
Cash Advance As per HDFC Bank's prevailing cash advance fees
Late Payment Charges As per HDFC Bank's standard credit card fee schedule
⚠️

No Annual Fee Waiver: Unlike many other cards, the Marriott Bonvoy HDFC Bank Credit Card does not offer an annual fee waiver based on spending milestones. The ₹3,000 annual fee is charged every year. However, the Free Night Award on renewal (worth ₹10,000+ at many Marriott properties) more than offsets this fee for regular Marriott guests.

Eligibility Criteria

The Marriott Bonvoy HDFC Bank Credit Card can be applied for online. The following are the standard eligibility requirements:

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Age — Salaried

Minimum 21 years, Maximum 60 years at the time of application.

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Age — Self-Employed

Minimum 21 years, Maximum 65 years at the time of application.

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Income — Salaried

Net monthly income above ₹1,00,000 (₹12 lakh+ per annum). Salary slips and bank statements required.

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Income — Self-Employed

Annual ITR of more than ₹15 lakh as per the most recent Income Tax Return filing.

⭐

Credit Score

Strong CIBIL score recommended (typically 700+). Existing HDFC customers with a good repayment track record are preferred.

🇮🇳

Residence

Indian National (resident). Both salaried employees and self-employed/business professionals are eligible to apply.

Documents Required

Document Type Accepted Documents
Identity Proof (Mandatory) PAN Card, Aadhaar Card, Passport, Driving Licence, Voter's ID, OCI Card, NREGA Job Card
Address Proof Aadhaar Card, Passport, Utility Bills (last 3 months), Driving Licence, Bank Statement
Income Proof (Salaried) Latest 3 months' salary slips, Form 16, last 3 months' salary-credited bank statements
Income Proof (Self-Employed) Latest 2 years' ITR with CA-certified Profit & Loss, last 6 months' current account bank statements
Photograph Recent passport-size photograph
Marriott Bonvoy Membership Existing Marriott Bonvoy membership number (optional — new account auto-created if not provided)
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Existing Marriott Members: If you already have a Marriott Bonvoy membership, provide it in your application to link the card to your existing account. All Bonvoy points will flow into your current account. If you have two Marriott Bonvoy IDs, you can merge them after 30 days of card issuance.

How to Apply for Marriott Bonvoy HDFC Credit Card

1

Visit HDFC Bank's Marriott Bonvoy Card Page

Go to the official HDFC Bank website or click the Apply Now button on this page to land directly on the Marriott Bonvoy HDFC Credit Card application page.

2

Fill in Personal & Financial Details

Enter your name, mobile number, PAN, date of birth, email, employment type, and income details. Provide your existing Marriott Bonvoy membership number if you have one (optional).

3

Upload KYC & Income Documents

Upload your PAN card, address proof, latest salary slips (salaried) or ITR (self-employed), and a passport-size photo. All documents are securely encrypted.

4

Approval in 3–5 Business Days

HDFC Bank verifies your application and documents and makes a credit decision within 3–5 business days. You may be contacted for additional verification if required.

5

Receive Card & Activate Within 30 Days

Your Marriott Bonvoy HDFC Bank Credit Card is delivered within 7 working days of approval. Activate within 30 days by making your first transaction to unlock your Free Night Award and Silver Elite status.

Compare: Marriott Bonvoy HDFC vs Similar Cards

Feature Marriott Bonvoy HDFC HDFC Regalia Gold Axis Reserve
Annual Fee ₹3,000 ₹2,500 ₹50,000
Hotel Rewards 8 pts/₹150 at Marriott General travel rewards Multi-hotel benefits
Free Night Awards ✓ Up to 4/year ✗ Points-based
Elite Hotel Status ✓ Silver Elite (auto) ✗ ✓ Multiple programs
Lounge Access 12 domestic + 12 intl 12 visits/year Unlimited
Golf Benefits ✓ 8 rounds + 8 lessons Limited ✓
Air Accident Cover ₹10 Lakhs ₹1 Crore ₹3 Crore
Fee Waiver ✗ Not available ✓ ₹5L spend ✗
Best For Marriott loyalists General travellers Ultra HNI travellers

* Comparison based on publicly available data as of 2025. Benefits subject to change. Verify with respective issuers.

Pros & Cons

✓ Why You'll Love It

  • India's first hotel co-branded card — a unique product in its category
  • Free Night Award on joining and every renewal — effectively offsets the annual fee for Marriott guests
  • Up to 3 additional Free Night Awards on milestone spends — 4 free nights possible per year
  • Complimentary Silver Elite Status instantly (normally needs 10+ hotel nights)
  • 10 Elite Night Credits per year to fast-track Gold Elite status
  • Strong hotel earn rate — 8 Bonvoy points per ₹150 at Marriott properties
  • 12 domestic + 12 international complimentary lounge visits annually
  • Comprehensive travel insurance including ₹15L overseas medical cover
  • Complimentary golf lessons and rounds every quarter
  • Bonvoy points never expire with qualifying activity every 24 months
  • 20% off at select Marriott restaurants and bars

✕ Watch Out For

  • No annual fee waiver — ₹3,000 charged every year regardless of spending
  • Rewards redeemable only within the Marriott ecosystem — not flexible
  • Not ideal for non-Marriott travellers or those who prefer airline miles
  • Available only on Diners Club network — lower acceptance globally than Visa/Mastercard
  • Contactless payments limited to HDFC POS machines on Diners Club
  • No cashback option — purely points-based rewards
  • Free Night Award capped at 15,000 points — excludes higher-tier properties

Frequently Asked Questions

How many Marriott Bonvoy points do I earn per ₹150?
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You earn 8 Marriott Bonvoy points per ₹150 spent at participating Marriott Bonvoy hotels, 4 points per ₹150 on travel, dining and entertainment, and 2 points per ₹150 on all other eligible spends. Grocery spending earns 2 points but is capped at ₹1.5 lakh per month. Certain categories like fuel, rent, and wallet loads are excluded.

What is the Free Night Award and how do I use it?
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The Free Night Award is valued at up to 15,000 Marriott Bonvoy points and can be used for one complimentary night in a standard guest room at any participating Marriott Bonvoy property where the room rate is at or below 15,000 points. It is valid for one year from issuance. You receive one Free Night Award as a welcome benefit (on first transaction or fee levy) and one more on every annual renewal. Note: certain hotels may charge resort fees separately.

Do Marriott Bonvoy points earned on this card expire?
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No — Marriott Bonvoy points do not expire as long as you have at least one qualifying activity in your Marriott Bonvoy account within any 24-month window. Qualifying activities include card spends, hotel stays, dining at participating restaurants, or any other Bonvoy earning event. This is one of the most generous expiry policies among Indian loyalty programmes.

What Silver Elite Status benefits do I get with this card?
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Silver Elite status (the base tier in Marriott Bonvoy, normally requiring 10 hotel nights) comes complimentary with card activation. Benefits include: 10% bonus points on all Marriott hotel stays, exclusive member-only room rates, priority late checkout (subject to availability), and complimentary in-room internet access at participating properties. You also receive 10 Elite Night Credits per calendar year to help you progress to Gold Elite (25 nights).

Can I link my existing Marriott Bonvoy account to this card?
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Yes. When applying, provide your existing Marriott Bonvoy membership number to link the card to your current account. All Bonvoy points earned will be credited to that account. If you have two separate Marriott Bonvoy IDs, you can merge them at least 30 days after card issuance through Marriott's membership merge process — all points and Elite Night Credits from both accounts will be consolidated.

Is there an annual fee waiver for Marriott Bonvoy HDFC Card?
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No. Unlike most HDFC credit cards, the Marriott Bonvoy HDFC Bank Credit Card does not offer an annual fee waiver based on spending milestones. The ₹3,000 annual fee is charged every renewal year without exception. However, the complimentary Free Night Award on renewal (redeemable at properties worth ₹8,000–₹15,000+ per night) delivers far more value than the fee for regular Marriott users.

How many Free Night Awards can I earn in a year total?
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You can earn up to 4 Free Night Awards in a single card anniversary year: 1 welcome/renewal award on joining or fee payment, plus 1 additional award each at ₹6 lakh, ₹9 lakh, and ₹15 lakh spending milestones. Each Free Night Award is valued at up to 15,000 Bonvoy points and is valid for 1 year from issuance.

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Frequently Asked Questions

1 Free Night Award (up to 15,000 Marriott Bonvoy Points) on making the first eligible transaction or paying the joining fee.

Yes, complimentary Silver Elite status is provided.

8 points per Rs. 150 spent at participating Marriott hotels 4 points per Rs. 150 on travel, dining, and entertainment 2 points per Rs. 150 on all other eligible spends

Redeem points for hotel stays, Marriott Bonvoy Moments experiences, travel bookings, merchandise, and other services under the Marriott Bonvoy Program.

Free Night Awards on spending Rs. 6 lakh, Rs. 9 lakh, and Rs. 15 lakh in an anniversary year.

Yes, 12 complimentary domestic and 12 international lounge visits per year.

Yes, 2 complimentary golf accesses and lessons per quarter worldwide.

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