"India's first hotel co-branded credit card โ complimentary Marriott Bonvoy Silver Elite status, Free Night Awards, 8 Bonvoy Points per โน150 at Marriott hotels and 12 domestic lounge visits per year"
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Quick Summary
๐ณ Joining Fee
โน3,000 + GST
๐ Renewal Fee
โน3,000 + GST
Waived: No annual fee waiver available โ fee is fixed at โน3,000 + GST per year; however, 1 Free Night Award on renewal offsets the fee for Marriott loyalists
๐ฏ Best Suited For
Marriott hotel loyalists who stay at Marriott, JW Marriott, Sheraton, Le Meridien, Westin, St. Regis or other Marriott Bonvoy properties; those who want to accelerate Marriott Bonvoy Elite status with 10 Elite Night Credits per year
๐ Reward Type
Marriott Bonvoy Points (value varies by hotel and redemption; roughly โน0.40 to โน0.80 per point depending on property and season)
๐ Welcome Benefit
1 Free Night Award (valued at up to 15,000 Marriott Bonvoy Points) on first eligible transaction or on levy of joining fee; complimentary Marriott Bonvoy Silver Elite status; 10 Elite Night Credits per calendar year
๐ฐ Reward Rate
8 Marriott Bonvoy Points per โน150 at hotels participating in Marriott Bonvoy; 4 Bonvoy Points per โน150 on travel, dining and entertainment; 2 Bonvoy Points per โน150 on all other eligible spends; Bonvoy Points do not expire as long as account has qualifying activity in 24 months; excludes fuel, wallet, EMI, Smart EMI, voucher purchases, rent
โ๏ธ Lounge Access
12 complimentary domestic airport lounge visits per year (at domestic and international terminals within India); 12 complimentary international airport lounge visits per year (outside India) โ no spend condition currently; Diners Club lounge network
Free Night Award on joining AND renewal โ excellent value vs โน3,000 fee
Complimentary Marriott Bonvoy Silver Elite status
10 Elite Night Credits per year accelerate status
12 domestic + 12 international lounge visits โ no spend condition
8 Bonvoy Points per โน150 at Marriott hotels
Milestone Free Night Awards on โน6L, โน9L, โน15L spend
Bonvoy Points never expire with activity
20% off F&B at Marriott restaurants (limited offer)
โ Cons
No annual fee waiver โ โน3,000 fixed cost every year
High forex markup 3.5%
Diners Club network โ limited acceptance at smaller merchants
Base reward rate on non-hotel spends is low
Free Night Award capped at 15,000 points โ excludes premium properties
Card often issued as floater with shared credit limit
๐ Rewards & Benefits
Reward Type
Marriott Bonvoy Points (value varies by hotel and redemption; roughly โน0.40 to โน0.80 per point depending on property and season)
Welcome Benefits
1 Free Night Award (valued at up to 15,000 Marriott Bonvoy Points) on first eligible transaction or on levy of joining fee; complimentary Marriott Bonvoy Silver Elite status; 10 Elite Night Credits per calendar year
Reward Rate
8 Marriott Bonvoy Points per โน150 at hotels participating in Marriott Bonvoy; 4 Bonvoy Points per โน150 on travel, dining and entertainment; 2 Bonvoy Points per โน150 on all other eligible spends; Bonvoy Points do not expire as long as account has qualifying activity in 24 months; excludes fuel, wallet, EMI, Smart EMI, voucher purchases, rent
Reward Redemption
Marriott Bonvoy app or website: redeem Bonvoy Points for hotel stays, travel experiences, flights via Marriott Bonvoy transfer partners; 1 Free Night Award = 1 night at property with redemption level up to 15,000 points
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โน400 to โน5,000; maximum โน250 per statement cycle
Lounge Access
12 complimentary domestic airport lounge visits per year (at domestic and international terminals within India); 12 complimentary international airport lounge visits per year (outside India) โ no spend condition currently; Diners Club lounge network
Spend Based Fee Waiver
No annual fee waiver; offset via Free Night Award on renewal (valued at โน3,000 to โน8,000+ depending on property)
Milestone Benefits
1 Free Night Award (up to 15,000 Bonvoy Points value) on โน6 lakh annual spend; 1 additional Free Night Award on โน9 lakh annual spend; 1 additional Free Night Award on โน15 lakh annual spend; 1 Free Night Award on renewal each year; maximum 4 Free Night Awards per year for very high spenders
Other Benefits
5% cashback on SmartBuy; 2 complimentary golf course access per quarter and 2 golf lessons per quarter; travel insurance (baggage delay $250, loss of documents $250, flight delay $250, air accident $12,500, emergency medical $18,750); credit shield โน1 lakh; loss liability โน1 lakh; 20% off on F&B at select Marriott restaurants (limited time offer till August 2026); exclusive concierge services; Diners Club network card
โจ Special Perks & Exclusive Offers
Memberships
Marriott Bonvoy Silver Elite (complimentary on card activation); 10 Elite Night Credits per year
Insurance Cover
Air accident cover $12,500; emergency medical $18,750; baggage delay/loss $250; flight delay $250; credit shield โน1 lakh; loss liability โน1 lakh
Add-on Cards
Add-on cards for family members
Concierge Services
Exclusive concierge services for Marriott Bonvoy cardholders
Special Offers
1 Free Night Award on joining and renewal; 20% off F&B at select Marriott restaurants; 5% cashback on SmartBuy; golf access; Silver Elite status; 10 Elite Night Credits per year
๐ณ Fees & Interest Rates
Joining Fee
โน3,000 + GST
Annual Fee / Renewal Fee
โน3,000 + GST โ Waived on: No annual fee waiver available โ fee is fixed at โน3,000 + GST per year; however, 1 Free Night Award on renewal offsets the fee for Marriott loyalists
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
โน100 to โน1,300 based on outstanding amount
Over Limit Charges
2.5% of overlimit amount, minimum โน550
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
No annual fee waiver โ fixed โน3,000/year; Diners Club network โ acceptance limited at smaller merchants; Bonvoy Points value varies significantly by hotel and season; card is a floater (shared limit with existing HDFC cards)
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21+ years; existing HDFC Bank credit card holders or new applicants; minimum income โน50,000 per month; Indian resident; good credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank assessment; often shared as floater with existing HDFC cards
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Smart EMI on transactions above โน2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via HDFC MyCards app or customer care helpline 1800 266 3310
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on unauthorized transactions; credit shield โน1 lakh
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after immediate reporting
๐ Customer Service & Digital Experience
Phone Support
1800 266 3310 (24x7 toll-free)
Chat / Email Support
Chat via HDFC iMobile app and website
Mobile App
HDFC Bank MyCards app + Marriott Bonvoy app for hotel bookings and point redemption
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