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HDFC Bank · Diners Club · हिन्दी

Marriott Bonvoy HDFC Bank Credit Card: full review

The Marriott Bonvoy HDFC card is India's only hotel loyalty credit card and ideal for frequent Marriott guests. The free night award each year alone often covers the ₹3,000 fee. The 24 uncapped lounge visits are exceptional. But if you don't stay at Marriott regularly, the value drops sharply. This is purely a loyalty card.

Apply now ↗Annual fee: ₹3,000 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
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MARRIOTT BONVOY
ASHOK KUMAR
12/28
₹3,000 + taxes (no fee waiver)Annual fee
8 Marriott Bonvoy Points per ₹150 at Marriott hotels (1.33%); 4 points on travel/dining/entertainment (0.67%); 2 points on others (0.33%)Reward structure
12 domestic + 12 international visits/year (no quarterly cap)Lounge access

Key benefits of the Marriott Bonvoy HDFC Bank Credit Card

8 Marriott Bonvoy Points per ₹150 at participating Marriott Bonvoy hotels worldwide4 Marriott Bonvoy Points per ₹150 on travel, dining, entertainment spends2 Marriott Bonvoy Points per ₹150 on all other eligible spends1 Free Night Award (up to 15,000 Marriott Bonvoy Points, top-up with 25,000 extra) as welcome and annual renewal benefitComplimentary Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits/year12 domestic + 12 international lounge visits/year with no quarterly capping (Diners Club network)Free Night Awards at ₹6L, ₹9L and ₹15L annual spend milestonesComprehensive travel insurance: baggage delay, flight cancellation, emergency medical abroad
Apply now ↗ Min. income: ₹1L+/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ Only hotel co-branded credit card in India with direct Marriott Bonvoy points
✓ No quarterly capping on 24 lounge visits, unusual and very useful for frequent travellers
✓ Free Night Award on joining + every renewal, meaningful for Marriott loyalists
✓ Diners Club network gives direct lounge access without Priority Pass card
Cons
✗ 3.5% forex, surprisingly high for a travel card; use a zero-forex card abroad
✗ Value almost entirely dependent on Marriott stays, poor for non-Marriott travellers
✗ 15,000 Bonvoy points limit basic category properties only; premium hotels need much more
✗ Diners Club acceptance lower than Visa/Mastercard at some international merchants
Quick facts
Issuer HDFC Bank
Network Diners Club
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + taxes (no fee waiver)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹3,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic + 12 international visits/year (no quarterly cap)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹1L+/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Marriott Bonvoy HDFC Bank Credit Card is ₹3,000 + taxes (no fee waiver). The joining fee is ₹3,000.
The main benefits of the Marriott Bonvoy HDFC Bank Credit Card are: 8 Marriott Bonvoy Points per ₹150 at participating Marriott Bonvoy hotels worldwide; 4 Marriott Bonvoy Points per ₹150 on travel, dining, entertainment spends; 2 Marriott Bonvoy Points per ₹150 on all other eligible spends; 1 Free Night Award (up to 15,000 Marriott Bonvoy Points, top-up with 25,000 extra) as welcome and annual renewal benefit; Complimentary Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits/year; 12 domestic + 12 international lounge visits/year with no quarterly capping (Diners Club network); Free Night Awards at ₹6L, ₹9L and ₹15L annual spend milestones; Comprehensive travel insurance: baggage delay, flight cancellation, emergency medical abroad.
8 Marriott Bonvoy Points per ₹150 at Marriott hotels (1.33%); 4 points on travel/dining/entertainment (0.67%); 2 points on others (0.33%)
Marriott Bonvoy HDFC Bank Credit Card is best for Frequent Marriott hotel guests wanting to earn Bonvoy points on all spends. The Marriott Bonvoy HDFC card is India's only hotel loyalty credit card and ideal for frequent Marriott guests. The free night award each year alone often covers the ₹3,000 fee. The 24 uncapped lounge visits are exceptional. But if you don't stay at Marriott regularly, the value drops sharply. This is purely a loyalty card.
The minimum income requirement for Marriott Bonvoy HDFC Bank Credit Card is ₹1L+/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, Marriott Bonvoy HDFC Bank Credit Card offers 12 domestic + 12 international visits/year (no quarterly cap).
Marriott Bonvoy HDFC Bank Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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Marriott Bonvoy HDFC Bank₹3,000 + taxes
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