Marriott Bonvoy HDFC Bank Credit Card

Award example

• Example (statement of Marriott Bonvoy Points): One night stay at JW Marriott ₹15,250 at 8 points = 808 points.
• ₹45,000 electronic gadget at Tata Brand at 2 points = 600 points.
• ₹7,500 grocery at 2 points = 100 points.
• ₹4,800 dining at 4 points = 128 points.
• ₹12,000 music concert ticket at 4 points = 320 points.
• ₹5,000 fuel = 0 points.
• Total ₹83,050 = 1,936 points.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Redemption value

• Marriott Bonvoy Points redeemable to book stays at participating Marriott Bonvoy hotels, Marriott Bonvoy Moments experiences, flights and other services/merchandise per Marriott Bonvoy Program Rules.
• Each Free Night Award redeemable for one-night stay (room rate + applicable taxes) up to 15,000 Marriott Bonvoy Points.
• Up to 15,000 additional points may be added (top-off) to expand value.
• Rewards Redemption Fee and Cashback Redemption Charges NOT applicable to Marriott Bonvoy.
• Reward points reflect in Marriott Bonvoy Member Account within 12 weeks.
• Only points reflecting there may be redeemed.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Reward cap

• Hotel points (8/₹150) capped at monthly spend of ₹10,00,000 (max 53,335 points/month).
• Travel, Dining & Entertainment (4/₹150) capped at monthly spend of ₹5,00,000 (max 13,335 points/month).
• Grocery store spend (2/₹150) capped at ₹1,50,000/month (max 2,000 points/month).
• Insurance transactions have no capping on Marriott Bonvoy Points accrual.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Reward exclusion

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Lounge access

• 12 complimentary domestic lounge visits within India per year (at both domestic and international terminals) and 12 complimentary international lounge visits outside India per year, using the Marriott Bonvoy HDFC Bank Credit Card.
• Primary and Supplementary Cardmembers can use the benefit.
• Guests of Cardmembers are not eligible.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Hotel benefit

• Complimentary Marriott Bonvoy Silver Elite Status upon Card approval and each Anniversary Year (Primary Cardmember only; allow up to 8 weeks from approval).
• Plus 10 Elite Night Credits per year (Primary Cardmember only, expire 31 December each year) counting toward achieving/renewing Marriott Bonvoy Elite status.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Travel benefit

• Travel insurance covers (primary cardholder, international travel, max trip duration 30 days): Baggage delay cover up to USD 250 (delay beyond 8 hours, max USD 10/hour).
• Loss of personal documents up to USD 250.
• Flight delay cover up to USD 250 (delay beyond 8 hours, max USD 10/hour).

Verifiedharvested from product page·3 Aug 2026, 9:50 PM IST·HDFC Bank

Welcome benefit

• Welcome gift: 1 Free Night Award (redemption value up to 15,000 Marriott Bonvoy Points, valid 12 months) plus 10 Elite Night Credits plus complimentary Marriott Bonvoy Silver Elite Status.
• Credited within 6 weeks after an Eligible Spend transaction of ₹500 or levy of Annual Membership Fee, whichever earlier (effective 1 Aug 2025).
• Wallet reloads and EMI excluded from the ₹500 eligible spend.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Concierge

Dedicated concierge services for Marriott Bonvoy HDFC Bank customers on 1800 309 3100 (9am - 9pm).

VerifiedKey Fact Statement / MITC – Marriott Bonvoy HDFC Bank Credit Card (card-specific, v2.3, Dec 2024)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Golf benefit

• Complimentary access to select golf courses (Green Fee Waiver): 2 complimentary golf course access per quarter at select premium golf courses in India and internationally, plus 2 complimentary golf lessons per quarter at select driving ranges in India (each lesson min 30 minutes incl. green fees, instructor fees and 50 range balls).
• Golf Concierge available 9am-9pm on 18003093100.

Verifiedharvested from product page·3 Aug 2026, 9:50 PM IST·HDFC Bank

Insurance

• Complimentary insurance (primary cardholder): Air Accident cover USD 12,500.
• Emergency Medical Expenses USD 18,750.
• Financial Liability Cover INR 900,000.
• Credit Shield Cover INR 100,000.
• Loss of Personal Documents USD 250 (sub-limit per article 10%).
• Insurance partner HDFC Ergo (Policy period 23 July 2025 to 22 July 2026).
• Terrorism excluded.

Verifiedharvested from product page·3 Aug 2026, 9:50 PM IST·HDFC Bank

Milestone benefit

• Earn up to 3 additional Free Night Awards (each valid 12 months, redemption level up to 15,000 Marriott Bonvoy Points) in an Anniversary Year: 1 FNA on Eligible Spend of ₹6 lakh.
• 1 additional FNA on Eligible Spend of ₹9 lakh.
• 1 additional FNA on Eligible Spend of ₹15 lakh in an Anniversary Year.
• Fuel, wallet reload and rental transactions excluded from eligible spends.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Statement credit

5% cashback on SmartBuy on usage of Marriott Bonvoy HDFC Bank Credit Card.

Verifiedharvested from product page·3 Aug 2026, 9:50 PM IST·HDFC Bank

Eligibility

• Salaried Indian nationals: age 21-60 years, net monthly income > ₹1,00,000.
• Self-employed Indian nationals: age 21-65 years, ITR > ₹15 lakh per annum.

Verifiedharvested from product page·3 Aug 2026, 9:50 PM IST·HDFC Bank

Forex markup

Foreign currency transactions: 2% of transaction value (currency conversion rate as on settlement date applicable).

VerifiedKey Fact Statement / MITC – Marriott Bonvoy HDFC Bank Credit Card (card-specific, v2.3, Dec 2024)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Charge

• Cash advance fee: 2.5% or ₹500 whichever higher.
• Finance charge (revolving credit & cash advances): 3.6% per month (43.2% p.a.).
• Late payment charges (slab): <=₹100 Nil.
• ₹101-500 ₹100.
• ₹501-1000 ₹500.
• ₹1001-5000 ₹600.
• ₹5001-10000 ₹750.
• ₹10001-25000 ₹900.
• ₹25001-50000 ₹1100.
• >₹50000 ₹1300.
• Overlimit charge: 2.5% of overlimit amount, min ₹550.
• Payment return charge: 2% of payment, min ₹450.
• Cash processing fee: ₹100.
• Dynamic currency conversion markup fee: 1% (w.e.f 1 Jan 2023) on INR transactions at international location/overseas-registered merchants.
• Reissue of lost/stolen/damaged card: ₹100.
• Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
• Rent Pay: 1% fee capped ₹3000/txn (w.e.f 1 Aug 2024).
• Fuel charges: 1% on consumer-card fuel txns over ₹15,000, capped ₹3000/txn.
• Utility charges: 1% on consumer-card utility txns over ₹50,000, capped ₹3000/txn.
• Education (third-party apps): 1% capped ₹3000/txn.
• Add-on card fee: Lifetime Free.
• Duplicate physical statement: ₹10.
• Rewards redemption fee: not applicable to Marriott Bonvoy.
• Foreign currency transaction fee 3.5% (per Cardmember FAQ).

VerifiedKey Fact Statement / MITC – Marriott Bonvoy HDFC Bank Credit Card (card-specific, v2.3, Dec 2024)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Fuel surcharge waiver

• 1% fuel surcharge waiver, capped at 1% of eligible fuel transaction amounts.
• GST on fuel surcharge not reversed.
• Reward Points not accrued on fuel transactions for Marriott Bonvoy.

VerifiedKey Fact Statement / MITC – Marriott Bonvoy HDFC Bank Credit Card (card-specific, v2.3, Dec 2024)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Interest-free period

• Interest free (grace) period ranges from 20 to 50 days, subject to scheme and merchant claim submission.
• Not applicable if previous balance unpaid in full or cash withdrawn from ATM.

VerifiedKey Fact Statement / MITC – Marriott Bonvoy HDFC Bank Credit Card (card-specific, v2.3, Dec 2024)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Transfer rule

• Reward points awarded are Marriott Bonvoy Points.
• Earned during a billing cycle are automatically transferred to the Primary Cardmember's Marriott Bonvoy Member Account after each billing cycle (allow up to 12 weeks).
• Marriott Bonvoy Points do not expire as long as there is point-earning or redemption activity at least once every 24 months in the Marriott Bonvoy Member Account.
• Points/Award Redemptions may not be exchanged or redeemed for cash, prizes, or credit.

VerifiedTerms & Conditions / Rewards Program Terms – Marriott Bonvoy HDFC Bank Credit Card (card-specific)·3 Aug 2026, 9:50 PM IST·HDFC Bank

Official terms

https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card.

VerifiedMarriott Bonvoy HDFC Bank Credit Card product page·3 Aug 2026, 9:50 PM IST·HDFC Bank