Marriott Bonvoy HDFC Bank Credit Card

HDFC Bank · Open to apply

HDFC and Marriott's hotel co-brand card. It earns Marriott Bonvoy points straight into the holder's Bonvoy account at 8 per ₹150 at Marriott hotels, 4 on travel, dining and entertainment and 2 on everything else, gives a Free Night Award of up to 15,000 points every year plus up to three more for spending ₹6, ₹9 and ₹15 lakh, and includes 12 domestic and 12 international Diners Club lounge visits a year. Fee ₹3,000, never waived.

Annual fee
₹3,000 + GST a year
Joining fee
₹3,000 + GST
Base rate
2 points per ₹150 on all other eligible spends: 2 Marriott Bonvoy points per ₹150 (about 0.8% at cash value)
Lounges
Domestic: 12 visits a calendar year; International: 12 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 8 points per ₹150 at participating Marriott Bonvoy hotels (₹10 lakh a month): 8 Marriott Bonvoy points per ₹150 (about 3.2% at cash value)
  • 4 points per ₹150 on dining, entertainment and travel such as cabs and travel agencies (₹5 lakh a month): 4 Marriott Bonvoy points per ₹150 (about 1.6% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rental transactions and government-related payments
  • No points on wallet loads, gift or prepaid card loads and voucher purchases
  • No points on EMI payments (Smart EMI, Dial an EMI); only the down payment earns
  • No points on online gaming
  • No points on cash advances
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • interest rate: HDFC's product-feature FAQ says the interest rate on this card is 3.6% a month. The MITC v4.15 has no named row for it and puts it in "all other variants" at 3.75% a month (45% a year). The MITC is the formal document, so 3.75% is used; the date of any change was not found.

Terms the calculator does not value

  • The calculator's spend lines have no Marriott hotels line and cannot tell where a hotel or flight was bought. The Hotels and Flights lines are valued at the base 2 points per ₹150. On HDFC's MCC list a stay at a Marriott hotel earns 8 and other chain-coded hotels (MCC 3501 to 3999) earn 4, while generic lodging (MCC 7011) and airlines (MCC 3000 to 3350, 4511) are not listed and earn 2. Travel agencies and OTAs (MCC 4722) are not on the list either, so flights and hotels booked through MakeMyTrip and the like earn 2. IRCTC and commuter transport (4111, 4112) earn 2. Mobile bills (4814) are not listed, but cable and pay TV (4899) is, so the Telecom line is also valued at 2.
  • Marriott Bonvoy points and Free Night Awards cannot be exchanged for cash or credit, so the value assumes the holder stays at Marriott hotels. Points are valued at our ₹0.60 Marriott Bonvoy figure and each Free Night Award at ₹6,000 (₹0.40 a point), a haircut for a one-night, standard-room award that expires 12 months after issue and is subject to availability and resort fees. A holder who does not stay at Marriott properties gets little from the points or the awards.
  • Anniversary Special Offer 2026, 1 October to 30 November 2026, for primary cardmembers: either 15,000 Marriott Bonvoy points on eligible spend of ₹1.5 lakh in the offer period, or 30,000 points on ₹2.5 lakh (the two are alternatives). The offer is enrollment-based, enrollment closes on 10 November 2026, and only spend from the enrollment date (from 1 October for those who enrolled by then) counts. It is time-limited and not entered as a milestone. A third-party blog describes a different structure (unverified, not used).
  • The product-feature FAQ and the HDFC pages promise up to 5% cashback on SmartBuy purchases with the card. The terms (eligible categories, caps, how the cashback is credited and redeemed, with the MITC's ₹50 + GST cashback redemption fee) were not read, so no SmartBuy rule is entered.
  • Silver Elite status (and the 10 Elite Night Credits) bring Marriott Bonvoy member perks such as bonus points on stays, which are not valued. Points earned at a Marriott hotel under the Marriott Bonvoy Program (for the stay itself) are separate from the card's 8 points per ₹150 and are not counted.
  • The MITC's monthly cap on insurance points does not apply to this card. MITC v4.15 clause e caps "Reward Points accrued for insurance transactions" (2,000 a month for "all other credit cards" from 1 July 2025), but clause f says "For Marriott Bonvoy HDFC Bank Credit Card, insurance transactions will have no capping on Marriott Bonvoy Points accrual". Insurance premiums earn the base 2 points per ₹150 with no cap, through the base rule; the card's T&C does not exclude insurance.

Sources

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