Marriott Bonvoy HDFC Bank Credit Card

Joining fee

₹3,000 + GST

Renewal fee

Joining or renewal membership fee of ₹3,000 plus applicable taxes

Fee waiver rule

Cardmember is not eligible for Fee waiver.

Add-on card fee

Add-on card fee: Lifetime Free.

Welcome benefit

Primary Cardmembers onboarded on or after 1st October 2026 are credited with one (1) Free Night Award within 6 weeks after Fee Levy, valid for 12 months, redemption value up to 15,000 Points. Onboarded until 30th September 2026: within 6 weeks of an Eligible Spend transaction of ₹500 or the levy of Annual Membership Fee, whichever is earlier (wallet reloads and EMI excluded from the ₹500).

Reward rate

8 Marriott Bonvoy Points per ₹150 spent at hotels participating in Marriott Bonvoy; 4 on Travel, Dining & Entertainment; 2 on all other applicable purchases.

EMI spend earning

Marriott Bonvoy Points will not be accrued for Smart EMI / Dial an EMI transaction.

Fuel earning

Marriott Bonvoy Points will not be accrued for Fuel.

Government spend earning

Marriott Bonvoy Points will not be accrued for Government related transactions.

Groceries earning

2 Marriott Bonvoy Points per ₹150 up to a monthly spend threshold of ₹1.5 Lakh

Insurance spend earning

Insurance transactions will have no capping on Marriott Bonvoy Points accrual.

Online earning

Up to 5% cashback on Smartbuy on the usage of the Marriott Bonvoy HDFC Bank Credit Card

Rent earning

Marriott Bonvoy Points will not be accrued for Rental transactions.

Reward earning on dining spendsTravel earning

4 Marriott Bonvoy Points per ₹150 spent on Travel, Dining & Entertainment.

Wallet load earning

Marriott Bonvoy Points will not be accrued for Wallet loads.

Reward exclusions

Fuel; Online gaming; Smart EMI / Dial an EMI transaction; Wallet loads / Gift or Prepaid Card load/ Voucher purchase; Cash Advances; Payment of Outstanding Balances; Payment of card fees and other charges; Government related transactions & Rental transactions.

Reward rate

Monthly caps on Non EMI Eligible Spends: 8 Marriott Bonvoy Points per ₹150 at hotels participating in Marriott Bonvoy up to ₹10 Lakh, then 2 Points per ₹150 above that; 4 Points per ₹150 on Travel, Entertainment & Dining up to ₹5 Lakh, then 2 Points per ₹150 above that; grocery store 2 Points per ₹150 up to ₹1.5 Lakh, then no Points for the remainder of the month

Award examples

Each Free Night Award (valid for 12 months) can be redeemed for a one-night stay, inclusive of room rate and applicable taxes, at hotels participating in Marriott Bonvoy with a redemption level up to 15,000 Marriott Bonvoy Points

Cashback redemption

Marriott Bonvoy Points and Award Redemptions may not be exchanged or redeemed by a member for cash, prizes, or credit.

Flight redemption

Primary Cardmembers can redeem Marriott Bonvoy Points to book flights, in accordance with the Marriott Bonvoy Program Rules.

Hotel redemption

Redeem Marriott Bonvoy points to book a stay at properties participating in Marriott Bonvoy.

Redeeming points for travel

Redeem Marriott Bonvoy points to book a stay at properties participating in Marriott Bonvoy, Marriott Bonvoy Moments™ experiences, travel, and more.

Voucher and product redemption

Primary Cardmembers can redeem Marriott Bonvoy Points for other services and merchandise, in accordance with the Marriott Bonvoy Program Rules.

Point expiry

Marriott Bonvoy points do not expire as long as members have some qualifying activity in the past 24 months.

Utilities earning

The bank's documents don't say.Checked 19 Oct 2026

Statement-credit redemption

The bank's documents don't say.Checked 19 Oct 2026

Airline and hotel partners points may move to

The bank's documents don't say.Checked 19 Oct 2026

Reward earning on international spends

The bank's documents don't say.Checked 19 Oct 2026

What one reward unit is worth

The bank's documents don't say.Checked 19 Oct 2026

Domestic lounge access

12 Complimentary accesses within India (both at domestic and international terminals) each year

International lounge access

12 Complimentary access outside India.

Hotel or travel programme

Complimentary Marriott Bonvoy® Silver Elite Status; 10 Elite Night Credits (ENCs) under the Marriott Bonvoy Program.

Golf

2 Complimentary Golf course access per quarter at select premium golf courses in India and golf courses internationally.

Concierge

Concierge Services available 9:00 AM to 9:00 PM, toll free: 18003093100 or email: support@marriotthdfcbank.com.

Benefit given each anniversary year

Earn up to 4 Free Night Awards

Milestone benefits

1 Free Night Award on Eligible Spend of ₹6 lakhs / 9 lakhs / 15 lakhs in an Anniversary Year

Renewal benefit

One (1) Free Night Award within 6 weeks after Fee Levy

Membership tiers and what unlocks them

Marriott Bonvoy® Silver Elite Status.

Retention or continued-access criteria

The card account is closed by the Bank if the card is not used for a continuous period of 1 year and the cardholder does not reply or start using it within 30 days of the Bank's request, subject to payment of all dues

Minimum spend rules

The bank's documents don't say.Checked 19 Oct 2026

Spend that unlocks lounge visits in the next period

The bank's documents don't say.Checked 19 Oct 2026

Dining programme

The bank's documents don't say.Checked 19 Oct 2026

Movies and entertainment

The bank's documents don't say.Checked 19 Oct 2026

Priority Pass

The bank's documents don't say.Checked 19 Oct 2026

Movie or entertainment ticket benefit

The bank's documents don't say.Checked 19 Oct 2026

Surcharge on railway tickets

1% of the transaction amount + GST will be charged on Railway Ticket Purchases (applicable for all cards other than IRCTC)

Air accident cover

Air accidental cover of up to $12,500

Credit shield cover

Credit shield of up to ₹1,00,000

Lost card liability

Loss liability cover of up to ₹9,00,000

Medical and hospitalisation cover

Emergency medical expenses up to $18,750

Travel insurance

Delay or loss of checked-in baggage cover of up to $250; Loss of travel documents cover of up to $250; Flight delay cover of up to $250

Add-on card eligibility

The Add-on Card may be issued to the Cardmember's spouse, parents, siblings or children over 18 years of age.

Balance transfer terms

Balance transfer processing charge: 1% of the BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Ability to convert large transactions to a SmartEMI after purchase.

Spends that do not count toward the fee waiver

The bank's documents don't say.Checked 19 Oct 2026

Purchase protection

The bank's documents don't say.Checked 19 Oct 2026

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

Cash advance fee: 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed to the Cardmember in the next statement.

Cash advance interest

Cash advances carry a finance charge equal to the charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% Monthly, 45.0% Annually (excluding GST), for both revolving credit and cash advances

Interest-free period

Up to 50 days from date of purchase

Late payment fee

Late payment charges (excl. GST) on no payment or delayed payment, basis the credit card bill amount: outstanding balance less than equal to ₹100 Nil; ₹101 to ₹500 ₹100; ₹501 to ₹1,000 ₹500; ₹1,001 to ₹5,000 ₹600; ₹5,001 to ₹10,000 ₹750; ₹10,001 to ₹25,000 ₹900; ₹25,001 to ₹50,000 ₹1100; More than ₹50,000 ₹1300

Over-limit fee

Over-limit charge: 2.5% of the overlimit amount, subject to a minimum of ₹550, basis explicit consent

Payment return or dishonour fee

2% of the payment amount, subject to a minimum of ₹450 (applies to a cheque payment return or an unsuccessful payment attempt through Autopay)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards

Cash payment / cash deposit fee

Cash processing fee: ₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.

Education / school fee charge

1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; Education transactions done directly through college / school websites or through POS machines at their premises, and International Education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

W.e.f. 1st July 2025, 1% fee on online skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Wallet load charge

W.e.f. 1st July 2025, 1% fee on wallet loading (excl PayZapp) spends exceeding ₹10,000 in a calendar month, applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

What the card's fee or benefit year means

The renewal fee for all the cardholders will be levied on 1 st month of the anniversary year

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

W.e.f. 1st July 2025, 1% fee on transaction amount is levied on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Grace days after the due date

3 grace days are allowed from the payment due date; late payment charges are levied when the account stays past due for more than 3 days.

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance) + Over-limit Amount (if any), if that 5% is higher than the Finance Charge; if it is less, MAD = Total GST + EMI amount + 100% of Fees/Charges + 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) + Overlimit Amount (if any). A MAD of ₹200 or below is charged as ₹200.

Fee for paying the bill by cheque

The bank's documents don't say.Checked 19 Oct 2026

Age the primary cardholder must be

Salaried: minimum 21 years and maximum 60 years; self-employed: minimum 21 years and maximum 65 years

Eligibility

Salaried Indian national: age 21–60 years, net monthly income > ₹1 lakh. Self-employed Indian national: age 21–65 years, Income Tax Return (ITR) > ₹15 lakh per annum

Income requirement

Salaried Indian national: net monthly income > ₹1 lakh; self-employed Indian national: Income Tax Return (ITR) > ₹15 lakh per annum

Income, salaried

Net Monthly Income > ₹1,00,000.

Income, self-employed

Annual ITR > ₹15 lakh per annum.

Documents required

Identity Proof: Passport, Aadhaar Card, Voter ID, Driving Licence, PAN Card, Passport size photographs; Address Proof: Latest Utility bills, Rental Agreement, Passport, Aadhaar Card, Voter ID; Income Proof: Latest Salary slips (salaried), Income Tax Returns (self-employed ITR), Form 16, Bank Statements

Residency

Indian