Redemption: Points go to your Marriott Bonvoy account (worth roughly ₹0.50–₹0.70 each on hotel nights).
02Fees, benefits & charges
Fee waiver
No spend-based waiver — the renewal Free Night Award offsets the fee
Welcome benefit
Free Night Award (up to 15,000 points) plus 10 Elite Night Credits. For cards issued from 1 Oct 2026 it is credited when the fee is charged.
Milestones
One Free Night Award each at ₹6 lakh, ₹9 lakh and ₹15 lakh annual spend.
Airport lounges
12 domestic + 12 international visits a year, no spend condition
Forex markup
3.5%
Fuel
No rewards on fuel
No rewards on
Fuel, rent, government & tax, wallet loads, gaming, gift cards, EMI
03Highlights & watch-outs
Highlights
Free Night Award on joining and on every renewal
Complimentary Marriott Silver Elite + 10 Elite Night Credits
Generous lounge access with no spend gate
Watch out for
Weak everyday earn outside Marriott
Free nights expire 12 months after issue
Diners network acceptance is narrower
Suits: Travellers who stay at Marriott properties at least once a year.
04FAQs
What is the annual fee of the Marriott Bonvoy HDFC Bank Credit Card?
The annual fee is ₹3,000 + GST, and the joining fee is ₹3,000 + GST. No spend-based waiver — the renewal Free Night Award offsets the fee
Does the Marriott Bonvoy HDFC Bank Credit Card offer airport lounge access?
12 domestic + 12 international visits a year, no spend condition
What is the forex markup on the Marriott Bonvoy HDFC Bank Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the Marriott Bonvoy HDFC Bank Credit Card?
Fuel, rent, government & tax, wallet loads, gaming, gift cards, EMI.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.