Marriott Bonvoy HDFC Bank Credit Card: Features & Charges

Summary

Introduced by HDFC Bank in association with Marriott Bon Voy (Marriott Bonvoy HDFC Bank Credit Card), the Marriott International global hotel rewards program is co-branded under the Marriott Bon Voy Credit Card.

The reward point system on this card is among its biggest attractions. You earn Marriott Bonvoy points on almost all spends—8 points for each ₹150 spent at Marriott hotels, 4 points on dining, travel, and overseas spends, and 2 points on other spends. The points can be redeemed to offset the cost of stays at hotels, room upgrades, or other travel privileges.

Cardholders get a welcome bonus of 3,000 Marriott Bonvoy points when they spend ₹1,500 in the first 30 days. You also get 1 Free Night Award every year and another one if you spend ₹3 lakh in a year. The Credit card also gives you Silver Elite Status, which has extra benefits while staying at Marriott, such as late check-out and bonus points.

Introduction

These days, credit cards are not just a payment means. They include rewards, cashback, travel points, and multiple other such fabulous features that add value to your spending. If you are a tourist who enjoys residing in decent hotels, then the Marriott Bonvoy HDFC Bank Credit Card can be an excellent choice for you. It is specifically designed for luxury travelers, hotel stays, and like to enjoy premium privileges.

This card is a result of a joint initiative of HDFC Bank, India’s prominent bank, and Marriott Bonvoy, the rewards program of Marriott International – one of the world’s largest hospitality chains. Marriott Bonvoy is renowned for offering luxury experiences and exclusive benefits at more than a thousand hotels around the world. With this co-branded credit card, you collect points on all your purchases and can redeem them later for hotel nights, upgrades, or special travel experiences.

One of the greatest aspects of this card is that it allows you immediate access to Marriott Bonvoy Silver Elite Status. What this means is that you get priority late check-outs, additional points for stays at hotels, and much more. The more you use the card, you can even increase your level to higher tiers, which gives you even greater rewards.

In this article, we will reveal all you need to know about the Marriott Bonvoy HDFC Bank Credit Card. We will outline all its key features, the reward program, charges including joining and renewal charges, eligibility, and how you can apply for it. If you are a frequent traveller, hotel buff, or even just an individual cardholder who wishes to add more value to their life, this card may well be the one you’ve been waiting for.

What is the Marriott Bonvoy HDFC Bank Credit Card?

The Marriott Bonvoy HDFC Credit Card is a special credit card for travel lovers and hotel stay enthusiasts. It is a co-branded credit card created by HDFC Bank, India’s top bank, and Marriott Bonvoy, Marriott International’s hotel loyalty program – a very popular hotel chain with thousands of hotels worldwide.

With this card, you accrue reward points on each of your purchases. You can use the points to book a hotel room, request room upgrades, or enjoy free night stays in Marriott hotels. The card also provides you with special travel privileges, including entry into airport lounges, discounts on dining, and Marriott Bonvoy elite status, which translate to greater convenience and services in your hotel stay.

What is the design of the Marriott Bonvoy HDFC Bank Credit Card?

Marriott Bonvoy HDFC Credit Card is kept simple with a premium-looking design. It comes in a sleek black finish with a matte smooth surface, and you can just sense that it is classy and elegant by touch. The Marriott Bonvoy logo and HDFC Bank name will be present on the face of the card, marking collaboration between the two brands.

Your card number, your name, etc., are stamped clearly, and the card comes with a contactless signifier, so you can pay easily just by tapping the card. Overall, this credit card design is fashionable and sophisticated and is a perfect option for people who enjoy luxury, traveling, and living an elitist lifestyle.

What are the benefits of the Marriott Bonvoy HDFC Bank Credit Card?

Below are the Marriott Bonvoy HDFC Credit Card advantages explained and put across simply:

1. Welcome Bonus Points

• You receive a welcome bonus of 3,000 Marriott Bonvoy points on getting the card (on expenses of ₹1,500 within 30 days). The points can be used for hotel stays as well as rewards.

2. Free Night Award Every Year

• Annually, on your card anniversary, 1 Free Night Award (redeemable at Marriott properties up to 15,000 points) is credited. If you spend ₹3 lakh in a year, one additional Free Night Award is credited.

3. Get Points on Every Spend

• 8 points on every ₹150 spent on birthday hotels.

• 4 points on every ₹150 on travel spend, dining spend, and spends overseas.

• 2 points on every ₹150 on the rest of the spend.

• You may use these benefits for overnight stays at Marriott hotels or otherwise use other perks of the Bonvoy program.

4. Free Silver Elite Status

Marriott Bonvoy Silver Elite Status is yours when you hold the card. This entails:

• Late check-out,

• 10% bonus points earned for staying at hotels,

• Priority service at hotels.

5. Airport Lounge Access

• You may use 8 complimentary domestic airport lounge visits (2 per quarter) per year, so your travels will be convenient.

6. Dining Offers

• Get exclusive discounts and offers at carefully selected partner restaurants.

7. Waiver of Fuel Surcharge

• Save fuel expense with a 1% waiver on the fuel surcharge on transactions between ₹400 and ₹5,000.

8. Global Acceptance & Travel Rewards

• Get accepted worldwide and have the power to earn rewards on your travels. Redeem your points at 8,000+ Marriott hotels across the globe.

9. Insurance & Protection

• You get purchase protection, lost card liability cover, and other security features for safe shopping and travel.

What are the fees for the Marriott Bonvoy HDFC Bank Credit Card?

Here is a simple Marriott Bonvoy HDFC Credit Card fee breakup.

Joining Fee	₹3,000 plus GST
Annual Fee	₹3,000 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.2% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Marriott Bonvoy HDFC Bank Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Marriott Bonvoy HDFC Bank Credit Card?

The documents that you will have to submit to Get a Marriott Bonvoy HDFC Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Marriott Bonvoy HDFC Bank Credit Card be used?

Here is the list of places where you can use it:

• With the Marriott Bonvoy HDFC Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Marriott Bonvoy HDFC Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Marriott Bonvoy HDFC Bank Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Marriott Bonvoy HDFC Bank Credit Card?

The credit limit of the Marriott Bonvoy HDFC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for a Marriott Bonvoy HDFC Bank Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Marriott Bonvoy HDFC Bank Credit Card.

• Just hover your cursor on the Marriott Bonvoy HDFC Bank Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the  Marriott Bonvoy HDFC Bank Credit Card.

• Request for the credit card application form for the Marriott Bonvoy HDFC Bank Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Marriott Bonvoy HDFC Bank Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Marriott Bonvoy HDFC Bank Credit Card in 2025 be right?

Yes, the Marriott Bonvoy HDFC Bank Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempt if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

Marriott Bonvoy HDFC Bank Credit Card is a perfect credit card for travel enthusiasts, lavish hotel staying, and a luxurious lifestyle. It is not a regular credit card—it gives you a chance to turn your everyday expenses into lovely rewards in terms of complimentary hotel stays, room upgrades, bonus points, and travel benefits.

One of the biggest advantages of this Credit card is that it is directly associate with the Marriott Bonvoy loyalty program, which is accept at over 8,000 Marriott properties worldwide. Thus, whether you are going somewhere in India or outside the country, this card can make your trips more efficient and cost-effective. You collect points every time you spend, and the points are later utilize to reserve hotels, eat, or even fly. You also get Silver Elite Status, where you get better treatment and services when you reside in hotels—like late check-out times, priority service, and bonus points.

Another great feature of this card is the Free Night Award, which you get every year. This is having a free vacation night for being a cardholder. The card also offers airport lounge access, which is a big plus for frequent flyers who need to relax before their flights.

Frequently Asked Questions (FAQ’s)