HDFC Bank
Marriott Bonvoy HDFC Bank Credit Card
Earns Marriott Bonvoy points, not cash: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment, and 2 per ₹150 on most other spends. Points go to your Marriott Bonvoy account for hotel stays and other Marriott rewards and can't be turned into cash; HDFC Bank doesn't give them a rupee value. Up to 3 extra free nights a year when your spend in a card year reaches ₹6 lakh, ₹9 lakh and ₹15 lakh. Fuel, rent, wallet loads, vouchers, EMI and government payments earn nothing.
- ₹3,000 joining, ₹3,000 a year
Pros and cons
Good
- Airport lounge visits with no published spend condition
- Open to self-employed applicants
Watch out for
- High joining fee: ₹3,000 up front
- Earns nothing on fuel, wallet loads, rent and government payments
- The bank doesn't publish what a reward point is worth
- High forex markup (3.5%)
- Who it's for
- Frequent flyers who use airport lounges and can meet the fee waiver.
- Skip it if
- You mainly pay by UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Fuel
- 0%
Fees and charges
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Fee waiver
- No fee waiver: the ₹3,000 fee is charged every year, the first time about 45 days after the card is issued. Each time the fee is charged you get a Free Night Award for a Marriott hotel (worth up to 15,000 Marriott Bonvoy points) and 10 Elite Night Credits, and the card comes with Marriott Bonvoy Silver Elite status.
- Forex markup
- 3.5%
- Fuel surcharge waiver
- No fuel surcharge waiver. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000.
Benefits and eligibility
- Airport lounge
- 12 free airport lounge visits a year in India and 12 abroad, with no spend condition. The primary and add-on cardholders can use them; guests aren't covered. Lounges abroad are listed in the Diners Club travel app.
- Card network
- Not published by the bank
- UPI payments
- No
- Minimum income (salaried)
- ₹1,00,000 a month
- Eligibility
- Salaried: Indian national, age 21-60, net monthly income above ₹1 lakh. Self-employed: Indian national, age 21-65, income tax return above ₹15 lakh a year. Approval at HDFC Bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Marriott Bonvoy HDFC Bank Credit Card?
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What changed recently
- OtherWorse for you
New cardholders now get the welcome Free Night Award and 10 Elite Night Credits only after the first card fee is charged; before, a single ₹500 purchase in the first 90 days could unlock them sooner.
Before: On the card fee or a ₹500 purchase within 90 days, whichever came first · After: On the card fee being charged
Applies to cards issued from 1 Oct 2026; the fee is charged about 45 days after issue.
Bank's notice or terms
Questions people ask
Is the Marriott Bonvoy HDFC Bank Credit Card worth it in 2026?
Only if you'll use the airport lounge visits and can meet the fee waiver; the bank doesn't publish what its rewards are worth. The catch: earns nothing on fuel, wallet loads, rent and government payments.
Is the Marriott Bonvoy HDFC Bank Credit Card lifetime free?
No. It costs ₹3,000 to join and ₹3,000 a year, plus GST. No fee waiver: the ₹3,000 fee is charged every year, the first time about 45 days after the card is issued. Each time the fee is charged you get a Free Night Award for a Marriott hotel (worth up to 15,000 Marriott Bonvoy points) and 10 Elite Night Credits, and the card comes with Marriott Bonvoy Silver Elite status.
Does the Marriott Bonvoy HDFC Bank Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the Marriott Bonvoy HDFC Bank Credit Card give airport lounge access?
12 free airport lounge visits a year in India and 12 abroad, with no spend condition. The primary and add-on cardholders can use them; guests aren't covered. Lounges abroad are listed in the Diners Club travel app.
What earns no rewards on the Marriott Bonvoy HDFC Bank Credit Card?
No Marriott Bonvoy points on fuel, rent, government payments, wallet loads, gift card, prepaid card and voucher purchases, EMI payments (only a down payment earns), cash advances, card fees, payments of your card bill, and online gaming. HDFC Bank's general card terms also exclude education fees paid through third-party apps such as CRED or Cheq. Points reach your Marriott Bonvoy account after each statement and can take up to 12 weeks to show.
Is there a limit on rewards with the Marriott Bonvoy HDFC Bank Credit Card?
8 points per ₹150 at Marriott hotels applies to the first ₹10 lakh of spend there each month; above that you earn 2 points per ₹150. 4 points per ₹150 on travel, dining and entertainment applies to the first ₹5 lakh of such spend each month; above that you earn 2 points per ₹150. Grocery earns 2 points per ₹150 on the first ₹1.5 lakh each month and nothing after that. Utility bills earn at most 2,000 points a calendar month. Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit.
Who can get the Marriott Bonvoy HDFC Bank Credit Card?
The bank publishes a minimum income of ₹1,00,000 a month for salaried applicants. Self-employed people can apply: ITR above ₹15 lakh a year; age 21-65; Indian national. Salaried: Indian national, age 21-60, net monthly income above ₹1 lakh. Self-employed: Indian national, age 21-65, income tax return above ₹15 lakh a year. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 20 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.