Learn about the Marriott Bonvoy® HDFC Bank Credit Card, including its rewards programme, hotel and travel benefits, airport lounge access, fees, eligibility criteria, and the online application process.
Last updated on: Sep 23, 2026
The Marriott Bonvoy® HDFC Bank Credit Card is a co-branded credit card offered by HDFC Bank in partnership with Marriott Bonvoy®. It provides cardholders with features such as Marriott Bonvoy® Points on eligible spends, Free Night Awards on meeting specified spend milestones, complimentary Marriott Bonvoy® Silver Elite membership, airport lounge access, and other travel-related benefits, subject to the card's terms and conditions.
The Marriott Bonvoy® HDFC Bank Credit Card is a travel credit card which rewards cardholders with Marriott Bonvoy® Points on hotel stays, travel, dining, and everyday spends, along with a Free Night Award as a welcome benefit, complimentary Silver Elite status, milestone-based Free Night Awards, and airport lounge access. It's best suited for frequent travellers and Marriott Bonvoy® loyalists who want to accelerate their hotel rewards and travel privileges.
| Feature | Details |
|---|---|
Joining Fee |
₹3,000 + Applicable Taxes |
Annual/Renewal Fee |
₹3,000 + Applicable Taxes |
Best Suited For |
Frequent travellers and Marriott Bonvoy® loyalists seeking hotel rewards and travel privileges |
Key Feature |
Earn 8 Marriott Bonvoy® Points* per ₹150 spent at hotels participating in Marriott Bonvoy® |
Welcome Benefit |
1 Free Night Award (worth up to 15,000 points), 10 Elite Night Credits (as per applicable terms) & Silver Elite Status, subject to the applicable welcome benefit eligibility criteria |
Lounge Access |
12 complimentary domestic + 12 complimentary international airport lounge visits per year |
Note: Elite Night Credits are qualifying nights that count towards earning or renewing your Marriott Bonvoy® Elite Status each year.
| Benefit Category | Key Benefits | Value/Offer |
|---|---|---|
Welcome Benefit |
Reward for early card activation and usage |
For customers onboarded/card issued from 1 October 2026 onwards, 1 Free Night Award (up to 15,000 Marriott Bonvoy® Points) and 10 Elite Night Credits will be credited on fee levy only. For existing cardholders onboarded/card issued till 30 September 2026, the welcome benefit will be credited within 6 weeks after an eligible spend transaction of ₹500 or fee levy of the card, whichever is earlier. |
Hotel Spend Rewards |
Accelerated points on stays at Marriott Bonvoy® participating hotels |
8 Marriott Bonvoy® Points per ₹150 spent |
Travel, Dining & Entertainment Rewards |
Enhanced points on lifestyle categories |
4 Marriott Bonvoy® Points per ₹150 spent |
Everyday Spend Rewards |
Points on all other eligible purchases |
2 Marriott Bonvoy® Points per ₹150 spent |
Grocery Spend Rewards |
Points on grocery spends up to a monthly cap |
2 Marriott Bonvoy® Points per ₹150 spent, up to ₹1.5 Lakh in monthly grocery spends |
Elite Status |
Complimentary Marriott Bonvoy® Silver Elite Status |
Silver Elite Status on card approval and renewed every card anniversary year |
Milestone Benefits |
Free Night Awards on annual spend milestones |
Free Night Award on eligible spends* of ₹6 Lakh, ₹9 Lakh, and ₹15 Lakh in the card anniversary year |
Airport Lounge Access |
Complimentary lounge visits across India and abroad |
12 complimentary domestic + 12 complimentary international lounge visits per year |
Golf Benefits |
Complimentary golf access at select venues |
Complimentary access to select domestic and international golf courses (Green Fee Waiver). 2 complimentary golf course access and 2 golf lessons in a quarter |
Travel Insurance |
Protection against travel-related disruptions |
Baggage delay/loss cover (up to $250), loss of travel documents cover (up to $250), flight delay cover (up to $250), air accidental cover (up to $12,500), and emergency medical expenses cover (up to $18,750) |
Credit Protection |
Cover against credit liability and card misuse |
Credit Shield Cover of up to ₹1 Lakh and Loss Liability Cover of up to ₹9 Lakh |
Points Validity |
Points remain active with regular engagement |
Points do not expire as long as there is at least one earning or redemption activity every 24 months in the Marriott Bonvoy® account |
Note: These benefits are subject to eligibility, spending thresholds, and issuer terms and conditions, and may be revised from time to time. Please refer to the issuer's official terms and conditions for the latest details.
Understanding the card's fees and reward programme conditions is important before applying. The table below summarises the applicable charges, reward points caps, and exclusions:
| Fees and Charges / Reward Conditions | Details |
|---|---|
Joining Fee |
₹3,000 + Applicable Taxes |
Renewal/Annual Fee |
₹3,000 + Applicable Taxes (charged on the 45th day following card issuance; no fee waiver available on this card) |
Reward Points Cap on Hotel Spends |
Capped at a monthly spend threshold of ₹10,00,000, with a maximum of 53,335 Marriott Bonvoy® Points per month |
Reward Points Cap on Travel, Dining and Entertainment Spends |
Capped at a monthly spend threshold of ₹5,00,000, with a maximum of 13,335 Marriott Bonvoy® Points per month (at 4 Marriott Bonvoy® Points per ₹150) |
Reward Points Cap on Grocery Spends |
Capped at monthly spends of ₹1,50,000, with a maximum of 2,000 Marriott Bonvoy® Points per month (at 2 Marriott Bonvoy® Points per ₹150) |
Reward Points Cap on Utility Spends |
Capped at a maximum of 2,000 Marriott Bonvoy® Points per month |
Reward Points Cap on Telecom Spends |
Capped at a maximum of 2,000 Marriott Bonvoy® Points per month |
Reward Points Exclusions |
Marriott Bonvoy® Points will not be accrued on the following categories:
|
Disclaimer: Fees and charges are indicative and may change at the issuer's discretion. Refer to the latest official schedule of charges and applicable terms before applying.
Here are the key eligibility requirements for applying:
For Salaried Individuals
Must be an Indian citizen
Age: 21 to 60 years
Net monthly income above ₹1,00,000
For Self-Employed Individuals
Must be an Indian citizen
Age: 21 to 65 years
Annual income (as per ITR) above ₹15 lakhs
Note: Eligibility criteria are subjective and at the bank's sole discretion, and may be revised based on HDFC Bank's internal risk assessment policies.
Here's how you can apply for the HDFC Bank Marriott Bonvoy® Credit Card on Bajaj Markets:
Click here to begin your application.
Enter the required details, such as your date of birth, mobile number, and occupation.
Verify your mobile number by entering the One-Time Password (OTP) sent to your registered number.
Review the pre-filled information, including your PAN, residential PIN code, email address, and income details.
Select the HDFC Bank Marriott Bonvoy® Credit Card from the list of available card options.
Click 'Submit' to complete and send your application for processing.
The following sections explain how the card's reward structure works and the factors that may help cardholders maximise Marriott Bonvoy® Points and other eligible benefits:
The card offers tiered earning rates depending on spend category — 8 points per ₹150 at Marriott Bonvoy® hotels, 4 points per ₹150 on travel, dining, and entertainment, and 2 points per ₹150 on all other eligible spends. Grocery spends earn points up to a monthly cap of ₹1.5 Lakh.
For customers onboarded/card issued from 1 October 2026 onwards, 1 Free Night Award (up to 15,000 Marriott Bonvoy® Points) and 10 Elite Night Credits will be credited on fee levy only. For existing cardholders onboarded/card issued till 30 September 2026, the welcome benefit will be credited within 6 weeks after an eligible spend transaction of ₹500 or fee levy of the card, whichever is earlier. Free Night Stay is valid for 12 months with a redemption value of 15,000 Points.
The milestone benefits are as follows:
Primary Cardmembers can redeem their Marriott Bonvoy® Points to book a stay at hotels participating in Marriott Bonvoy®, the Marriott Bonvoy® Moments program experiences, flights and other services and merchandise in accordance with the Marriott Bonvoy® Program Rules.
Marriott Bonvoy® Points do not expire as long as you have at least one point-earning or point-redemption activity every 24 months in your Marriott Bonvoy® Member Account.
Beyond hotel rewards, cardholders enjoy 12 complimentary domestic and 12 complimentary international airport lounge visits per year, 2 complimentary golf visits and 2 golf lessons per quarter, and comprehensive travel insurance, rounding out the card's value for frequent travellers.
Disclaimer
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and processing time among other conditions.
Reviewer
No. The card carries a joining and renewal fee of ₹3,000 plus applicable taxes each year.
For customers onboarded/card issued from 1 October 2026 onwards, 1 Free Night Award (up to 15,000 Marriott Bonvoy® Points) and 10 Elite Night Credits will be credited on fee levy only. For existing cardholders onboarded/card issued till 30 September 2026, the welcome benefit will be credited within 6 weeks after an eligible spend transaction of ₹500 or fee levy of the card, whichever is earlier. Free Night Stay is valid for 12 months with a redemption value of 15,000 Points.
You could earn 8 points per ₹150 spent at Marriott Bonvoy® participating hotels, 4 points per ₹150 spent on travel, dining, and entertainment, and 2 points per ₹150 spent on all other eligible purchases.
Salaried applicants need a net monthly income above ₹1 Lakh, while self-employed applicants need an annual income above ₹15 Lakh as per their ITR.
Yes. Cardholders get 12 complimentary domestic and 12 complimentary international airport lounge visits every year. The capping of 12 visits is combined for the primary and add-on cardholders.
Cardholders can earn up to 3 additional Free Night Awards (each worth up to 15,000 points) by reaching annual spend milestones of ₹6 Lakh, ₹9 Lakh, and ₹15 Lakh in the card anniversary year.
No, if you have at least one point-earning or point-redemption activity every 24 months in your Marriott Bonvoy® Member Account.
Only the down payment portion of an EMI transaction is eligible for Marriott Bonvoy® Points. The EMI instalments, interest, processing fees, and GST amounts do not earn points.
Yes. Cardholders get baggage delay/loss cover (up to $250), loss of travel documents cover (up to $250), flight delay cover (up to $250), air accidental cover (up to $12,500), and emergency medical expenses cover (up to $18,750).
Yes. Cardholders get complimentary access to select domestic and international golf courses (Green Fee Waiver). 2 complimentary golf course access and 2 golf lessons in a quarter.
Yes. Reward points on hotel spends are capped at a monthly spend threshold of ₹10,00,000, translating to a maximum of 53,335 Marriott Bonvoy® Points per month.