Milestone benefit and complimentary lounge access are two other solid benefits on this hotel credit card. In the same fee range, other cards like HDFC Regalia Gold and SBI Card Prime offer a lesser number of complimentary visits. Similar to the card activation benefits, the milestone benefits are also limited to Marriott hotel bookings. However, due to these restricted co-branded features and not many benefits in other categories, the milestones may be difficult to meet for most consumers who own other good credit cards. Only those who travel frequently and stay at Marriott properties several times a year, may be able to make use of the milestone benefits. Otherwise, the bar for milestone benefits is set too high for most consumers.
HDFC Bank
Marriott Bonvoy HDFC Credit Card
Travel
Co-branded
1st Year Fee: ₹3,000* Plus Applicable Taxes
Hotel Benefits
Marriott Bonvoy Silver Elite Status
Rewards
Up to 8 Marriott Bonvoy Points on your spends
Lounge Access
Up to 24 free lounge visits in a year
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About Marriott Bonvoy HDFC Credit Card
Marriott Bonvoy HDFC Bank Credit Card is India’s first co-branded credit card with a hotel chain. Offering multiple benefits across Marriott properties worldwide, this card is ideal for Marriott loyalists.
Cardholders will be rewarded with Marriott Bonvoy Points on their spends, which can be used to avail travel services and book stays at participating luxury hotels, such as St. Regis, JW Marriott, Le Méridien and Sheraton, among others. Currently, this card is issued at only Diner’s Club network in India, which might not be easily accepted as Visa, Mastercard or RuPay network.
Welcome Benefits and Rewards Program
Welcome and Renewal 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
- Complimentary Marriott Bonvoy Silver Elite Status for free (otherwise offered on completing 10 nights a year at Marriott hotels)
- 10 Elite Night Credits (that can be used for room and membership upgrade) under the Marriott Bonvoy Program for primary cardholder
Reward Points
- 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy1
- 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
- 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases3
Other Features and Benefits
Along with hotel benefits extended in the form of reward points and welcome bonus, Marriott Bonvoy HDFC Credit Card also offers some other privileges, as mentioned below:
Lounge Access
- 12 complimentary lounge access every year outside India
- 12 complimentary lounge access every year, within India at both domestic and international terminals
Milestone Benefits
On reaching certain spending thresholds, cardholders get the following benefits:
- 1 Free Night Award on spending 6 lakh in an anniversary year
- 1 Free Night Award on spending Rs. 9 lakh in an anniversary year
- 1 Free Night Award on spending Rs. 15 lakh in an anniversary year
Savings Calculator
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Fees and Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 3,000 | ||||||||||||||||||
| Annual Fee | Rs. 3,000 | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||||
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher | ||||||||||||||||||
| Late Payment Charges |
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How much can you save with Marriott Bonvoy HDFC Card?
To help readers understand how much they can save with the Marriott Bonvoy Card, let us take the example of where the user spends Rs. 1.25 Lakh in a month (Rs. 15 Lakh in a year), divided among the following categories:
| Category | Amount (in INR) | Marriott Bonvoy Points |
|---|---|---|
| Flight Booking | 25,000 | 667 |
| Hotel Stay (at Marriott) | 40,000 | 2,133 |
| Dining and Food Delivery | 10,000 | 267 |
| Movie Tickets | 5,000 | 133 |
| Apparel & Accessories Purchase | 15,000 | 200 |
| Groceries | 20,000 | 267 |
| Fuel | 10,000 | 0 |
| Total | Rs. 1,25,000 | 3,667 MB Points |
Considering the average earning of 3,500 MB Points in a month, the cardholder will be able to earn 42,000 MB Points in a year. Now, for example, if one night stay at Westin Hotels* is valued at 15,000 MB Points, they will be able to get 3 free stays, by adding a minimal amount to cover the difference of 3,000 MB Points.
Along with this, as the user reaches the milestones of Rs. 6 Lakh, Rs. 9 Lakh and Rs. 15 Lakh in a year, they would also get 3 free night awards at the participating hotels. They would also get 1 free night award as joining bonus.
In all, the cardholder will be able to get up to 7 free stays at Westin Hotels.
*Note: The above values are for illustration purpose only. Actual cost of stay will vary as per the hotel type, location, date and several other factors.
Things to Know Before you apply
Get this card if:
You prefer Marriott and other participating hotels in Marriott Bonvoy for hotel stays
You want luxury hotel benefits at a comparatively affordable fee of Rs. 3,000
You wish to avail lounge access within and outside India
You own other credit cards with additional travel benefits like low forex mark-up, offers with other premium hotels, etc.
Eligibility Criteria
Occupation: Salaried or Self-employed
Age: 21 to 60 years (65 years for self-employed)
Minimum Income for Salaried Applicants: Rs. 1 Lakh per month
Minimum Income for Self-employed Applicants: Rs. 15 Lakh per annum
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What do we like about this card?
The Marriott Bonvoy HDFC Credit Card is a good choice for travellers who prefer staying at Marriott properties. It offers rewards and milestone benefits in the form of Marriott Bonvoy Points or Free Night Awards at participating properties. The welcome and renewal benefits are tailored to enhance the Marriott experience, solidifying its position as a co-branded hotel credit card. Frequent travelers can maximize value, with perks like the Free Night Award, which can be used for stays at high-end properties, such as Fairfield by Marriott in Goa (worth around ₹10,000* per night), either for free or at a nominal cost. Additional benefits include complimentary lounge access and comprehensive travel insurance, making it a strong contender among other travel credit cards.
Pros
- Exclusive privileges on Marriott hotel bookings
- Access to both international and domestic airport lounges
- Complimentary Marriott Bonvoy Silver Elite Status
- Free Night Stays at Marriott as welcome and milestone benefits
Cons
- No general travel benefits
- Features are limited to co-branded hotel bookings
- Base reward rate is low
- No Priority Pass membership
Conclusion
As a co-branded credit card, the Marriott Bonvoy HDFC Card is tailored primarily for Marriott loyalists. For those seeking broader travel benefits, such as memberships or discounts across multiple hotel chains, premium cards like the Axis Reserve or American Express Platinum (Charge) Card could be a better alternative. Additionally, mid-range cards offered by travel portals like MakeMyTrip, EaseMyTrip, and Ixigo can provide excellent value on hotel bookings through their platforms, making them a viable alternative for travellers who do not wish to pay a high annual fee.
Footnotes
- Wallet reloads and EMIs will not be considered for first spend transaction.
- Maximum eligible spends for earning accelerated reward points at participating Marriott Bonvoy Hotels are capped at Rs. 10 Lakh per month.
- Maximum eligible spends for earning accelerated reward points on travel, dining and entertainment are capped at Rs. 5 Lakh per month.
- Fuel, Smart EMI / Dial an EMI transaction, Wallet loads / Gift or Prepaid Card load/ Voucher purchase, Cash Advances, Payment of Outstanding Balances, Payment of card fees and other charges, Government related transactions & Rental transactions will not be eligible for reward point earning.
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
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