HDFC BankMarriott Bonvoy
HDFC Bank ·
Marriott Bonvoy
Joining ₹3,000 · Annual ₹3,000
Fee break-even: ≈₹9,09,091/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Bonvoy points · assumed 0.25 ₹/point. Assumed ₹0.25 per Bonvoy point. Marriott prices stays dynamically, and HDFC's own milestone savings maths values a Free Night Award at ₹2,500, which implies less, so treat this as a hotel loyalist's currency rather than cash
Verified 13 Aug 2026Forex markup3.5%
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST.
Domestic lounge12 a year. 12 visits within India, at domestic and international terminals
International loungeComplimentary access outside India via the DCI travel tool, HDFC does not print the count on the page
Milestones
- ◆ Spend ₹6,00,000 per year → 1 Free Night Award at ₹6 lakh of eligible annual spends Worth ₹2,500
- ◆ Spend ₹9,00,000 per year → 1 more Free Night Award at ₹9 lakh Worth ₹2,500
- ◆ Spend ₹15,00,000 per year → 1 more Free Night Award at ₹15 lakh Worth ₹2,500
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.33% | Base rate |
| Amazon | 0.33% | Base rate |
| Flipkart | 0.33% | Base rate |
| Subscriptions & OTT | 0.33% | Base rate |
| Offline spend | 0.33% | Base rate |
| UPI spending | 0% | No RuPay variant is published, so UPI linking is unavailable |
| Dining | 0.67% | 4 points per ₹150 |
| Swiggy | 0.67% | Uses its dining rate |
| Zomato | 0.67% | Uses its dining rate |
| Groceries | 0.33% | Base rate |
| Quick commerce | 0.33% | Base rate |
| Swiggy Instamart | 0.33% | Base rate |
| Blinkit | 0.33% | Base rate |
| BigBasket | 0.33% | Base rate |
| Movies & shows | 0.67% | Entertainment earns 4 points per ₹150 |
| BookMyShow | 0.67% | Uses its movies rate |
| PVR INOX | 0.67% | Uses its movies rate |
| Fuel | 0% | Fuel earns no points |
| Travel (general) | 0.67% | 4 points per ₹150 on travel, dining and entertainment |
| Flights | 0.67% | Uses its travel rate |
| Hotels | 1.33% | 8 points per ₹150 at hotels participating in Marriott Bonvoy |
| MakeMyTrip | 0.67% | Uses its travel rate |
| IRCTC rail | 0.67% | Uses its travel rate |
| International | −3.17% | 0.33% reward − 3.5% forex markup |
| Utilities & bills | 0.33% | Base rate |
| Rent | 0.33% | Base rate |
| Education fees | 0.33% | Base rate |
| Insurance premiums | 0.33% | Base rate |
| Government & tax | 0.33% | Base rate |
| Wallet loads | 0.33% | Base rate |
| Anything else | 0.33% | Base rate |
| Jewellery | 0.33% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Welcome on fee payment: 1 Free Night Award valued at 15,000 Bonvoy points, 10 Elite Night Credits and Silver Elite status
- Points and status renew with each year's fee
What we liked
- A Free Night Award, 10 elite night credits and Silver Elite status every year on fee payment
- 8 points per ₹150 at Marriott properties
- 12 domestic lounge visits a year
What to mind
- Bonvoy points are only worth what Marriott's dynamic pricing lets a night cost
- 0.33% on ordinary spends is among the weakest here
- ₹3,000 a year with no waiver
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.
- https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card
- https://www.marriott.com/loyalty.mi