Annual Fee
₹3,000
Rewards/₹100 ⓘ
₹0.67 - ₹2.67
Interest Rate
45.00%
Credit Score
720+
Key Benefits
8x Marriott points, free nights, golf, lounges
Lounge Access
12 domestic + 12 international per year
Eligibility
Salaried: Rs. 1L/month, Age 21-60, CIBIL 720+
The Marriott Bonvoy HDFC Bank Credit Card is an excellent choice for Marriott loyalists who frequently stay at Marriott properties. At just Rs. 3,540 annually, the card delivers outstanding value through Free Night Awards, Silver Elite status, and generous lounge and golf benefits. However, the Diners Club network limits daily usability and the low earn rate on general spends makes it a poor primary spending card.
Best For
Frequent Marriott hotel guests who want to earn free night stays, Silver Elite status, and maximize hotel rewards at an affordable annual fee.
Not Ideal For
Those seeking high cashback on everyday spends, low forex markup for international travel, or wide card acceptance due to the Diners Club network.
visits per year
Complimentary access at both domestic and international terminals within India via Diners Club
visits per year
Complimentary access outside India via Diners Club Travel Tool
All Spends
Marriott Bonvoy Hotels
Travel
Dining
Movies
Grocery
Insurance
Redeem your Marriott Bonvoy Points for cashback, travel, and more
Marriott Bonvoy Hotels
Redeem points for free nights at Marriott Bonvoy hotels worldwide. Dynamic pricing applies.
Marriott Bonvoy Travel
Redeem points for flights, car rentals and other travel services
Marriott Bonvoy Moments
Redeem for unique experiences via Marriott Bonvoy Moments platform
1 Free Night Award (up to 15,000 Marriott Bonvoy Points) + Complimentary Silver Elite Status + 10 Elite Night Credits on eligible spend or fee levy
value
1 Free Night Award (up to 15,000 Marriott Bonvoy Points) on annual fee payment
value
1 Free Night Award (up to 15,000 Marriott Bonvoy Points) on spending Rs. 6 Lakh in anniversary year
Spend ₹6,00,000 within 365 days
value
1 Free Night Award (up to 15,000 Marriott Bonvoy Points) on spending Rs. 9 Lakh in anniversary year
Spend ₹9,00,000 within 365 days
value
1 Free Night Award (up to 15,000 Marriott Bonvoy Points) on spending Rs. 15 Lakh in anniversary year
Spend ₹15,00,000 within 365 days
value
Golf
2 /quarter
100.00% off
2 complimentary golf course access and 2 golf lessons per quarter worldwide via Diners Club
Concierge
100.00% off
Concierge services from 9AM to 9PM via toll-free 18003093100 or email
Custom
1 /year
100.00% off
Complimentary Marriott Bonvoy Silver Elite Status with priority late checkout and 10% bonus points on stays
See how this card performs in different spending categories compared to other cards.
The Marriott Bonvoy HDFC Bank Credit Card is India's first co-branded hotel credit card, launched in partnership between HDFC Bank and Marriott International. Issued on the Diners Club International network, this card is designed for travellers who frequently stay at Marriott properties and want to earn valuable hotel rewards.
With a modest joining and annual fee of Rs. 3,000 + GST, the card delivers exceptional value through Free Night Awards, complimentary Marriott Bonvoy Silver Elite Status, accelerated reward points at Marriott hotels, and generous airport lounge and golf course access benefits.
The Marriott Bonvoy HDFC Bank Credit Card is a co-branded travel and hotel credit card that earns Marriott Bonvoy loyalty points on every purchase. Cardholders earn accelerated points at Marriott hotels worldwide and can redeem them for free hotel nights, experiences, and travel services through the Marriott Bonvoy program.
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at participating Marriott Bonvoy hotels worldwide. This accelerated rate applies up to a monthly spend threshold of Rs. 10 Lakh. Cardholders also receive complimentary Silver Elite Status with priority late checkout, member rates, free Wi-Fi, and 10% bonus points on hotel stays.
Receive 1 Free Night Award (worth up to 15,000 Marriott Bonvoy Points) as a welcome benefit and again each year on renewal. Earn up to 3 additional Free Night Awards by reaching spend milestones of Rs. 6 Lakh, Rs. 9 Lakh, and Rs. 15 Lakh in the card anniversary year. Each Free Night Award can be topped up with another 15,000 bonus points for access to more premium properties.
Enjoy 12 complimentary domestic airport lounge visits (at both domestic and international terminals in India) and 12 complimentary international airport lounge visits outside India per year through the Diners Club network.
Get 2 complimentary golf course access sessions and 2 golf lessons per quarter at select premium golf courses worldwide through the Diners Club golf programme.
Comprehensive travel insurance coverage including air accident cover of USD 12,500, emergency medical expenses of USD 18,750, baggage and document loss cover, flight delay cover, credit shield, and lost card liability protection.
The welcome benefit is credited within 8 to 12 weeks of joining fee payment and is available only to the primary cardholder.
Milestone benefits are only for the primary cardholder. Free Night Awards are credited to the Marriott Bonvoy membership account within 8 to 12 weeks of reaching the milestone.
The Marriott Bonvoy HDFC Bank Credit Card provides complimentary airport lounge access to both primary and supplementary cardholders through the Diners Club network.
No minimum spend conditions are required to avail the airport lounge access. The complete list of eligible lounges can be checked via the Diners Club Travel Tools app.
The card earns Marriott Bonvoy Points on all eligible purchases, with accelerated rates in select categories:
Marriott Bonvoy Points do not expire as long as you have any qualifying activity (card spends, hotel stays, dining, point redemption) at least once every 24 months.
Points are credited to your Marriott Bonvoy membership account and can be redeemed for:
Each Marriott Bonvoy Point is valued at approximately Rs. 0.50, though actual value varies by redemption type and property.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 3,000 + GST (~Rs. 3,540) |
| Annual Fee | Rs. 3,000 + GST (~Rs. 3,540) |
| Forex Markup | 3.5% |
| Finance Charges | 3.75% per month (45% p.a.) |
| Cash Advance | 2.5% or Rs. 500, whichever is higher |
| Over Limit | 2.5% of overlimit amount (min Rs. 550) |
| Late Payment | Slab-based: Nil to Rs. 1,300 depending on outstanding |
| Card Replacement | Rs. 100 |
| Fuel Surcharge | 1% waiver on Rs. 400 to Rs. 5,000 transactions |
| Interest-Free Period | Up to 50 days |
If you are an existing HDFC Bank customer, log in to NetBanking and apply from the Cards section.
Visit your nearest HDFC Bank branch for face-to-face assistance with the application.
Applications are typically approved within 3 to 5 working days, and the card is delivered within 7 business days of approval.
The Marriott Bonvoy HDFC Bank Credit Card is a standout option for travellers who regularly stay at Marriott properties. At an annual cost of just Rs. 3,540 (including GST), the card delivers up to 4 Free Night Awards worth far more than the fee, along with Silver Elite status, excellent lounge access, and complimentary golf benefits.
The main limitations are the Diners Club network (which has restricted acceptance in many places) and the relatively modest reward rates on non-hotel spends. For everyday purchases, you would be better served by a general rewards card as a companion. However, as a dedicated hotel card for Marriott loyalists, this card offers outstanding value and should be part of your credit card portfolio if you travel frequently and prefer Marriott hotels.
Last updated: 1 February 2026
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