HDFC Bank
Signature · Marriott Bonvoy
Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank
Earn Marriott Bonvoy points on every spend with global lounge access
Annual Fee
₹3,000
Joining Fee
₹3,000
Reward Rate
3.7%
Forex Markup
2%
Value Analysis
Annual Net Value
₹46,460
Total Annual Benefits
₹50,000
Total Annual Charges
₹3,540
ROI
1313%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Domestic Lounge Access
12 complimentary domestic airport lounge visits per year
- • Via Dreamfolks programme
12 visits/year
₹30,000/yr
International Lounge Access
12 complimentary international airport lounge visits per year via Priority Pass
- • Via Priority Pass programme
12 visits/year
₹42,000/yr
Travel Benefits (3)
Marriott Bonvoy Silver Elite Status
Complimentary Silver Elite status in the Marriott Bonvoy loyalty program
- • Auto-enrolled on card activation
Silver Elite
₹5,000/yr
Marriott Property Bonvoy Points
8 Marriott Bonvoy points per ₹150 spent at Marriott properties worldwide
- • Valid at all Marriott Bonvoy properties
8 MB Points per ₹150
Travel & Dining Bonvoy Points
4 Marriott Bonvoy points per ₹150 on travel and dining spends
- • Travel and dining MCCs
4 MB Points per ₹150
Reward Points (1)
All Other Spends Bonvoy Points
2 Marriott Bonvoy points per ₹150 on all other retail purchases
2 MB Points per ₹150
Reward Program
Program
Marriott Bonvoy Points
8 MB/₹150 Marriott, 4 MB travel/dining, 2 MB other
Effective cashback: 3.73%
Points expire: No expiry as long as account is active
Redemption Options
- → Free nights at Marriott Bonvoy hotels (from 5,000 points)
- → Room upgrades
- → Marriott Bonvoy Moments experiences
- → Airline miles transfer (3:1 ratio with most airlines)
Bonus Categories
Marriott Properties
8x multiplier
8 MB Points per ₹150 at Marriott
Travel & Dining
4x multiplier
4 MB Points per ₹150 on travel and dining
Milestone Bonuses
1 Free Night Award on spending ₹6 Lakh annually
Spend ₹6,00,000 annually
1 Free Night (up to 25K points)
Additional Free Night Award on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
1 Free Night (up to 40K points)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,000 Excluding GST |
| Annual Fee | ₹3,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,00,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹1 Lakh
- • Self-Employed: ITR > ₹12 Lakh p.a.
- • Good credit history required
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹20.0 L
Lost Card Liability
₹9.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹20 Lakh
- • Baggage delay/loss: ₹50,000
- • Credit liability cover: ₹9 Lakh
Airport Lounge Access
Domestic
12 visits/year
Unlimited via Dreamfolks
~₹2,500/visit
International
12 visits/year
Unlimited via Priority Pass
~₹3,500/visit
Dreamfolks Priority Pass
- • Domestic: 12 complimentary visits per year
- • International: 12 complimentary visits per year via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Metal card Add-on cards available EMI conversion facility Marriott Bonvoy Silver Elite status Low 2% forex markup SmartBuy accelerated rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Marriott Bonvoy HDFC Bank Credit Card is a premium travel co-branded credit card offering 8 Marriott Bonvoy points per ₹150 at Marriott properties...
More from HDFC Bank
HDFC Bank
Visa
HDFC Bank Business Regalia Credit Card
HDFC Bank
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
HDFC Bank
Visa
HDFC Bank Corporate Credit Card
HDFC Bank
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
HDFC Bank
DinersClub
HDFC Diners Club Black Metal Edition Credit Card
HDFC Bank
₹10,000/yr₹1,50,000/yr value
Unlimited Domestic &...Complimentary Member...Complimentary Golf G...
HDFC Bank
DinersClub
HDFC Diners Club Privilege Credit Card
HDFC Bank
₹2,500/yr₹30,000/yr value
Domestic Lounge Acce...International Lounge...5X Dining Rewards