Marriott Bonvoy HDFC Bank Credit Card: Rewards, Benefits, and Fees

    Marriott Bonvoy HDFC Bank Credit Card

    Intro Offer

    Annual Fees

    3K + GST

    Joining Fees

    3K + GST

    Reward Rate

    1.33% 26.67%

    Rating

    4.4

    Intro Offers

    Free Night Award Voucher

    ₹15K
    Valid on Marriott Bonvoy

    Marriott Bonvoy Membership

    ₹5K
    Valid for 1 years

    Fees

    Annual Fee

    3K
    GST extra

    Joining Fee

    3K
    GST extra
    One time payment

    Forex Fee

    3.5%

    Eligibility

    Age

    21 - 60

    Citizenship

    Indian

    Employment

    Salaried
    Self-Employed

    Income

    Salaried ₹1L
    Business ₹15L

    Reward Points

    A list of reward point earning categories.
    CategoryTypeQualifying SpendRateRP CappingSpend CappingConditions
    travelacceleratedSpends at Marriott Bonvoy Hotels (Festive Offer)
    26.67%
    Max. 53.34K / monthMax. ₹2L / month
    travelacceleratedSpends at Marriott Bonvoy Hotels (Regular)
    5.33%
    Max. 53.34K / monthMax. ₹10L / month
    travelacceleratedTravel Spends (Festive Offer)
    13.33%
    Max. 13.34K / monthMax. ₹1L / month
    diningacceleratedDining Spends (Festive Offer)
    13.33%
    entertainmentacceleratedEntertainment Spends (Festive Offer)
    13.33%
    travelacceleratedTravel Spends (Regular)
    2.67%
    Max. 13.34K / monthMax. ₹5L / month
    diningacceleratedDining Spends (Regular)
    2.67%
    entertainmentacceleratedEntertainment Spends (Regular)
    2.67%
    groceriesbaseGrocery Store Spends
    1.33%
    Max. 2K / monthMax. ₹1.5L / month
    shoppingbaseAll Other Applicable Purchases
    1.33%

    Milestones

    Free Night Award

    15K
    On spending 6L in 1 year

    Free Night Award

    15K
    On spending 9L in 1 year

    Free Night Award

    15K
    On spending 15L in 1 year

    Redemptions

    HOTEL PARTNERS

    List of conversion options of airline partners.
    Airline PartnerRedemption RateMultiplier
    Marriott Bonvoy150 Marriott Bonvoy Points = 8 Marriott Bonvoy Points pointsx0.05
    Marriott Bonvoy150 Marriott Bonvoy Points = 4 Marriott Bonvoy Points pointsx0.03
    Marriott Bonvoy150 Marriott Bonvoy Points = 2 Marriott Bonvoy Points pointsx0.01

    Rewards Calculator

    ON MONTHLY SPEND
    Reset
    coin
    62KYour monthly expenditure

    26.67% rewards

    Amount spent at hotels participating in Marriott Bonvoy during Festive Offer period (₹)
    10000

    13.33% rewards

    Amount spent on Travel during Festive Offer period (₹)
    5000

    13.33% rewards

    Amount spent on Dining during Festive Offer period (₹)
    2000

    13.33% rewards

    Amount spent on Entertainment during Festive Offer period (₹)
    1000

    5.33% rewards

    Amount spent at hotels participating in Marriott Bonvoy, at standalone Marriott branded retail establishments, and at Marriott branded online stores (₹)
    20000

    2.67% rewards

    Amount spent on Travel (₹)
    5000

    2.67% rewards

    Amount spent on Dining (₹)
    3000

    2.67% rewards

    Amount spent on Entertainment (₹)
    1000

    1.33% rewards

    Amount spent on Grocery Store (₹)
    5000

    1.33% rewards

    Amount spent on all other applicable purchases (₹)
    10000
    REWARD POINTS EARNED
    coin
    0Points per year
    POINT REDEMPTION
    icon
    0Hotel points

    Lounge Access

    Domestic

    12
    visits / YEAR

    International

    12
    visits / YEAR

    Discounts

    Dining Discount

    2.67%
    Limited to 1 use per month
    Applicable on Marriott Bonvoy

    Movie Discount

    2.67%
    Limited to 1 use per month
    Applicable on Marriott Bonvoy

    Insurance Coverage

    Air Accident Death Cover

    10L
    Should use card for booking

    Credit Liability Cover

    1L

    Credit Shield Cover

    1L

    Delayed Baggage Cover

    $250
    Should use card for booking

    Fraud Protection Cover

    1L

    Loss of Travel Documents Cover

    $250
    Should use card for booking

    Lost Baggage Cover

    $250
    Should use card for booking

    Overseas Medical Expenses Cover

    15L
    Should use card for booking

    Other Features

    No other features available on this card.

    Pros & Cons

    PROS

    • Exclusive Marriott Privileges

      Cardholders receive exclusive privileges at Marriott hotels, including Free Night Awards and Silver Elite status.

    • Generous Lounge Access

      The card offers a generous number of complimentary lounge accesses, both domestically and internationally.

    • Complimentary Silver Elite Status

      Cardholders receive complimentary Marriott Bonvoy Silver Elite Status, providing benefits like bonus points and priority late checkout.

    • Free Night Stays

      Cardholders receive Free Night Awards as welcome and milestone benefits, enhancing the value proposition.

    • Accelerated Rewards on Marriott Spends

      Earn 8 Marriott Bonvoy Points on every Rs.150 spent at hotels participating in Marriott Bonvoy.

    CONS

    • Limited Travel Benefits

      The card lacks general travel benefits beyond Marriott stays, such as air miles or travel insurance.

    • Low Base Reward Rate

      The base reward rate is relatively low compared to other travel cards, at just 0.8% for general spending.

    • No Priority Pass Membership

      The card does not offer a Priority Pass membership, limiting lounge access options.

    • No Renewal Benefits or Fee Waiver

      There are no card renewal benefits or options to waive the annual fee, making the card less attractive over time.

    • Co-branded Limitations

      The card's features are heavily focused on co-branded hotel bookings, limiting its usefulness for those who prefer other hotel chains.

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