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HDFC Marriott Bonvoy Credit Card
HDFC • Diners Club

HDFC Marriott Bonvoy Credit Card

8 Points/₹150 on Marriott, Free Night Award on Joining

Annual Fee₹3000No fee waiver condition
Base Reward1.3%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹276Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹4,788

Assumes base reward rate only.

Annual fee₹3,000

No fee waiver condition

Net value₹1,788

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
5.3%
Dining
2.7%
Basedefault
1.3%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • HDFC Marriott Bonvoy Credit Card is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 5.3% on travel-aligned lanes, while broad base return remains closer to 1.3%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 3,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹3,000
  • Annual fee₹3,000
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkDiners Club
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports7
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Marriott Bonvoy HDFC Bank Credit Card

Annual fee: ₹3000

Shared focus: Travel, Lifestyle+42 more lounge visits in current datasetEstimated +₹1,580/yr value
View Details
Step 2

HDFC Regalia

Annual fee: ₹2500

Shared focus: Travel, Premium+33 more lounge visits in current datasetEstimated +₹1,704/yr value
View Details
Step 3

HDFC Regalia Gold

Annual fee: ₹2500

Shared focus: Travel, Lifestyle+33 more lounge visits in current datasetHigher top earn rate (6.5%)
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Marriott Bonvoy Credit Card using your current period spend.

₹0 spent₹6 target

Policy signal used: Earn up to 4 Free Night Awards partially based on spends (₹6L, ₹9L, ₹15L)

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 1 Free Night Award (up to 15,000 Points) on Joining & Renewal
  • Silver Elite Status + 10 Elite Night Credits
  • 12 Domestic + 12 International Lounge Visits
  • Earn up to 4 Free Night Awards partially based on spends (₹6L, ₹9L, ₹15L)

Things to Consider

  • Points locked to Marriott Bonvoy ecosystem
  • Diners Club acceptance can be lower than Visa/Mastercard
  • Base reward rate (offline) is low (~1.3%)

About HDFC Marriott Bonvoy Credit Card

HDFC Marriott Bonvoy Credit Card is a points card from HDFC, best for marriott loyalists & travelers. It is tagged under travel, premium, lifestyle, international categories in our database.

TravelPremiumLifestyleInternational

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Frequently asked questions

Is HDFC Marriott Bonvoy Credit Card lifetime free?

It has an annual fee of ₹3000. No fee waiver condition

What rewards does HDFC Marriott Bonvoy Credit Card offer?

8 Points/₹150 on Marriott, Free Night Award on Joining

Does HDFC Marriott Bonvoy Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider HDFC Marriott Bonvoy Credit Card?

Marriott Loyalists & Travelers

Where can I apply for HDFC Marriott Bonvoy Credit Card?

Check the issuer link listed for this card.