INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Diners ClubTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Marriott Bonvoy Credit Card

एचडीएफसी मैरियट बॉन्वॉय क्रेडिट कार्ड

Hospitality credit card providing 1 Free Night Award every year at Marriott hotels, 12 domestic & 12 international lounge visits, and 10 Elite Night Credits.

Annual Fee₹3,000 + GST (Renewal: ₹3,000 + GST)

Reward Rate8 Marriott Bonvoy points per ₹150 spent at participating Marriott Bonvoy hotels. 4 Marriott Bonvoy points per ₹150 on travel, dining, and entertainment. 2 Marriott Bonvoy points per ₹150 on all other retail transactions.

Airport Lounge12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 12 complimentary international lounge visits per calendar year via Diners Club global lounge directory.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

HDFC Marriott Bonvoy Credit Card is India's first co-branded hospitality credit card. Created in partnership with Marriott International, it awards a complimentary Free Night Award (up to 15,000 points) every year, 12 domestic and 12 international lounge visits, and 10 Elite Night Credits toward Marriott Bonvoy Gold/Platinum elite status.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹3,000 + GST (Renewal: ₹3,000 + GST)

Fee Waiver: No spend-based waiver; each renewal fee payment of ₹3,000 earns 1 complimentary Free Night Award (up to 15,000 points) at participating Marriott Bonvoy hotels worldwide.

🎁Welcome Benefit

1 Free Night Award (worth up to 15,000 Marriott Bonvoy points) valid at participating Marriott hotels worldwide, plus complimentary Marriott Bonvoy Silver Elite status and 10 Elite Night Credits.

⚡Reward Points Structure

8 Marriott Bonvoy points per ₹150 spent at participating Marriott Bonvoy hotels. 4 Marriott Bonvoy points per ₹150 on travel, dining, and entertainment. 2 Marriott Bonvoy points per ₹150 on all other retail transactions.

Redemption Value: Marriott Bonvoy points can be redeemed for hotel stays across 8,500+ global properties, or transferred to 35+ global frequent flyer airline programs at 3:1 ratio (with 5,000 bonus miles on transferring 60,000 points).

🛫Airport & Railway Lounge Access

12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 12 complimentary international lounge visits per calendar year via Diners Club global lounge directory.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to ₹15 Lakhs. Loss of baggage cover up to ₹55,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 3 additional Free Night Awards annually on reaching annual spend milestones of ₹6 Lakhs, ₹9 Lakhs, and ₹15 Lakhs (up to 4 Free Night Awards yearly).

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Diners Club payment network has slightly lower merchant acceptance at smaller offline domestic retailers. No annual spend fee waiver; cardholders pay ₹3,000 annually to receive the Free Night Award. Forex markup is standard 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryMarriott Bonvoy points remain active as long as there is qualifying activity once every 24 months.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹15,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,00,000/month (Salaried) / ₹15,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 750+ is recommended.

SBI RelationshipNot mandatory. Must have or create a free Marriott Bonvoy membership number during application.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit hdfcbank.com/marriott-bonvoy or apply via the Marriott Bonvoy portal.

2Enter your existing Marriott Bonvoy membership number and PAN.

3Submit monthly income and employer details.

4Upload identity, residence, and income verification documents.

5Complete online Video KYC session with bank official.

6Physical card delivered within 3 to 5 business days; Free Night Award credited to Marriott account upon fee payment.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch by submitting PAN, Aadhaar, salary slips, and Marriott Bonvoy member ID.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Marriott Bonvoy Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Marriott Bonvoy Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Marriott Bonvoy Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. Marriott Bonvoy points can be redeemed for hotel stays across 8,500+ global properties, or transferred to 35+ global frequent flyer airline programs at 3:1 ratio (with 5,000 bonus miles on transferring 60,000 points). Please note: Marriott Bonvoy points remain active as long as there is qualifying activity once every 24 months.

What is the interest-free grace period on HDFC Marriott Bonvoy Credit Card and how does it work?

The interest-free period on HDFC Marriott Bonvoy Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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