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Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank
Joining Fee₹3,000Renewal Fee₹3,000
Last verified: 24 Sept 2026
Reward Program
Marriott Bonvoy Points1 point = ₹1.00
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Hotels participating in Marriott Bonvoy | 5.33% | No cap |
Travel, dining and entertainment | 2.67% | No cap |
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel) | 5% | ₹1,000/monthly |
| All other spends | 1.33% | No cap |
Redemption fee: 99
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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Marriott Bonvoy Points redeem for hotel stays across the Marriott portfolio. Marriott publishes no fixed rupee rate; ₹1 a point is the working valuation and is flagged as an inference.
Live Offers
245 activePharmeasy10% Cashback on PharmEasy purchase
10% cashbackTill 31 Dec
Indian Gifts Portal IGP10% Cashback on purchasing Gifts on IGP
10% cashbackTill 31 Dec
Jockey10% Cashback on Jockey purchase
10% cashbackTill 31 Dec
Cleartrip5% Cashback on hotel booking
5% cashbackTill 31 Dec
Cleartrip5% Cashback on e-voucher purchase
5% cashbackTill 31 Dec
Benefits
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Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Milestone Benefits
Spend ₹6,00,000/yearOne Free Night Award, redeemable at a property costing up to 15,000 Marriott Bonvoy points₹15,000 total by this tier · 2.50% effective rate
Spend ₹9,00,000/yearOne Free Night Award, redeemable at a property costing up to 15,000 Marriott Bonvoy points₹30,000 total by this tier · 3.33% effective rate
Spend ₹15,00,000/yearOne Free Night Award, redeemable at a property costing up to 15,000 Marriott Bonvoy points₹45,000 total by this tier · 3.00% effective rate
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
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Fees & Charges
| Joining Fee | ₹3,000/yr |
| Renewal Fee | ₹3,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
