HDFC Marriott Bonvoy Credit Card: Free Nights, Lounge Access, and More!

Discover jaw-dropping rewards like free luxury hotel nights, Silver Elite status, and 24 lounge visits yearly for just ₹3,000. But, does its Marriott focus and Diners Club network hide a catch?
The HDFC Bank Marriott Bonvoy Credit Card, launched in August 2023, is India’s first co-branded hotel credit card, a collaboration between HDFC Bank and Marriott International. Operating on the Diners Club network, this semi-premium card targets frequent travellers and Marriott loyalists, offering tailored rewards for stays at Marriott Bonvoy properties, which include over 35 hotel brands like St. Regis, JW Marriott, Ritz-Carlton, and Four Points. With a joining and annual fee of ₹3,000 + taxes, the card provides a compelling value proposition for those who prioritize luxury hotel stays, complimentary lounge access, and milestone-based rewards. It is designed to enhance travel experiences through Marriott Bonvoy points, Silver Elite status, and additional perks like golf access and insurance benefits.
This review delves into the card’s features, evaluates its rewards and benefits, outlines fees and charges, discusses pros and cons, compares it with peer cards, and provides recommendations for potential cardholders.
Detailed Review
The Marriott Bonvoy HDFC Bank Credit Card stands out as a niche offering for Marriott enthusiasts, combining hotel-specific rewards with travel perks. Its sleek black design with golden accents gives it a premium aesthetic, akin to high-end cards like the SBI Aurum, despite its relatively affordable fee. The card’s primary appeal lies in its integration with the Marriott Bonvoy loyalty program, offering accelerated point earnings, free night awards, and elite status benefits. However, its focus on Marriott properties limits its versatility compared to general travel or cashback cards, and the Diners Club network may pose acceptance issues in some regions.
The card’s reward structure is straightforward but not exceptional for non-Marriott spending. It offers a decent return for Marriott loyalists, particularly those who can leverage milestone benefits and complimentary lounge access. The absence of an annual fee waiver and limited general travel benefits may deter users seeking flexibility. Customer feedback highlights slow point crediting (up to 12 weeks) and initial system integration issues, such as delays in linking Marriott Bonvoy accounts, but these are reportedly improving.
Overall, the card is a strong choice for those who frequently stay at Marriott properties and value hotel-specific perks. For others, competing cards with broader travel benefits or higher reward rates may be more suitable.

- Joining Fees: Rs 3000 + GST.
- Annual Fees: Rs 3000 + GST.
- Free Night Award on Joining fee realization
- Complimentary Marriott Bonvoy Silver Elite Status
- 10 Elite Night Credits (ENCs)
Rewards and Benefits
The card offers a range of rewards and benefits tailored to enhance the Marriott Bonvoy experience and provide travel perks:
Reward Points
- 8 Marriott Bonvoy Points per ₹150 spent at participating Marriott Bonvoy hotels (up to ₹10 lakh/month), yielding a ~2.67% return (assuming 1 point = ₹0.50). Includes ITC properties under Marriott Bonvoy.
- 4 Marriott Bonvoy Points per ₹150 spent on travel, dining, and entertainment (up to ₹5 lakh/month), yielding a ~1.33% return.
- 2 Marriott Bonvoy Points per ₹150 spent on other eligible categories (up to ₹1.5 lakh/month for groceries), yielding a ~0.67% return.
- Exclusions: No points for EMI transactions, wallet loads, gift/prepaid card purchases, or fuel spends. Grocery spends above ₹1.5 lakh/month and utility transactions above ₹50,000 (1% fee, capped at ₹3,000) are also excluded.
Welcome and Renewal Benefits
- 1 Free Night Award (up to 15,000 points) upon paying the joining fee and on card renewal, valid for one year at participating Marriott Bonvoy hotels. This can cover stays at properties like Fairfield by Marriott in Goa (~₹10,000/night).
- Complimentary Silver Elite Status with 10 Elite Night Credits annually, offering 10% bonus points on hotel stays, priority late checkout, member rates, and free Wi-Fi. The 10 credits fast-track progress to Gold Elite status (25 nights required).
Milestone Benefits
- Additional Free Night Awards (up to 15,000 points each) for spending:
- ₹6 lakh in an anniversary year (1 award).
- ₹9 lakh in an anniversary year (1 award).
- ₹15 lakh in an anniversary year (1 award).
- Limited-Time Offer (1 March 2025 – 31 August 2025): Earn 3,000 bonus points on ₹2 lakh spend and 7,000 bonus points on ₹4 lakh spend.
- Festive Offer (1 October 2024 – 30 November 2024): Earn 40 points/₹150 at Marriott Bonvoy hotels and 20 points/₹150 on travel, dining, and entertainment (up to ₹1 lakh/month).
Lounge and Golf Access
- 12 complimentary domestic lounge visits (at domestic and international terminals in India) per year.
- 12 complimentary international lounge visits per year, accessible via the Diners Club travel tool app.
- 2 complimentary golf rounds and 2 golf lessons per quarter worldwide (green fee waiver).
Additional Benefits
- Insurance Covers:
- Air accidental cover: ₹10 lakh.
- Emergency medical expenses: ₹15 lakh.
- Flight delay/loss of travel documents: $250 each.
- Delay/loss of checked baggage: $250.
- Credit shield/loss liability cover: ₹1 lakh each.
- Concierge Services: Available from 9 AM to 9 PM for travel and lifestyle assistance.
- Contactless Payments: Enabled for transactions up to ₹5,000 without a PIN.
- Smart EMI Option: Convert large spends into EMIs (processing fee up to ₹299 + taxes).
- 5% Cashback on SmartBuy: For eligible transactions, enhancing savings.
- Points Validity: Points do not expire with qualifying activity (earning or redemption) every 24 months.
Redemption Options
- Marriott Bonvoy points can be redeemed for:
- Free stays at Marriott Bonvoy properties (dynamic pricing applies).
- Marriott Bonvoy Moments™ experiences.
- Air miles transfers to partnered airlines.
- Travel services and merchandise via the Marriott Bonvoy platform.
- Strategic redemption during peak seasons or promotional offers maximizes value.
Fees and Charges
- Joining/Annual Fee: ₹3,000 + taxes (~₹3,540), charged on the 45th day post-issuance. No waiver option.
- Interest Rate: 3.6% per month (43.2% annually) on revolving credit.
- Forex Markup Fee: Not explicitly mentioned, but Diners Club cards typically charge 2-3.5%.
- Utility Transaction Fee: 1% (capped at ₹3,000) for transactions above ₹50,000.
- EMI Processing Fee: Up to ₹299 + taxes.
- Card Approval/Delivery: 3-5 business days for approval, 7 days for delivery.
Pros
- Lucrative Welcome/Renewal Benefits: Free Night Award (worth ~₹10,000) and Silver Elite status provide excellent value for the ₹3,000 fee.
- Milestone Rewards: Up to 4 Free Night Awards annually for high spenders (₹6-15 lakh).
- Lounge Access: 12 domestic and 12 international visits with no spend conditions.
- Golf Privileges: Complimentary rounds/lessons enhance lifestyle benefits.
- Silver Elite Status: Offers priority check-in, late checkout, and 10% bonus points.
- No Point Expiry: With activity every 24 months, points remain valid.
- Insurance Benefits: Comprehensive coverage for travel-related incidents.
- Contactless Payments and EMI: Convenient for everyday and large purchases.
Cons
- Limited Reward Rate: 0.67-2.67% return is lower than many cashback or travel cards (e.g., Axis Atlas offers 5% on direct travel spends).
- Marriott-Centric Benefits: Rewards are less versatile for non-Marriott travellers.
- Diners Club Network: Limited acceptance compared to Visa/Mastercard, especially internationally.
- No Annual Fee Waiver: Fixed ₹3,000 fee may deter low spenders.
- Slow Point Crediting: Up to 12 weeks for points to reflect in Marriott Bonvoy accounts.
- Dynamic Redemption Pricing: Point requirements vary, reducing predictability.
- No Breakfast with Free Nights: Silver Elite status doesn’t include complimentary breakfast (available at Platinum Elite and above).
- Spend Caps: Points accrual limited for Marriott (₹10 lakh), travel/dining (₹5 lakh), and grocery (₹1.5 lakh) spends monthly.
Comparison with Peer Cards
The table below compares the HDFC Bank Marriott Bonvoy Credit Card with peer travel and co-branded cards in India, focusing on key metrics like fees, rewards, lounge access, and benefits.
Feature |
HDFC Marriott Bonvoy |
Axis Bank Atlas |
American Express Platinum Travel |
HDFC Regalia Gold |
HSBC Taj Credit Card |
Annual Fee |
₹3,000 + taxes |
₹5,000 + taxes |
₹5,000 + taxes |
₹2,500 + taxes |
₹3,000 + taxes |
Welcome Benefit |
1 Free Night Award (15,000 points), Silver Elite, 10 ENCs |
5,000 EDGE Miles |
10,000 MR Points |
4,000 Reward Points |
Taj voucher worth ₹5,000 |
Reward Rate |
8/4/2 MB Points per ₹150 (Marriott/travel, dining/other) |
5/2 EDGE Miles per ₹100 (travel/other) |
1 MR Point per ₹50 (up to 4% return) |
4/1 RP per ₹150 (travel/other) |
2-6% cashback on Taj spends |
Reward Value |
0.67-2.67% (1 MB = ₹0.50) |
5-10% (1 Mile = ₹2-4) |
2-4% (1 MR = ₹0.50-1) |
1-4% (1 RP = ₹0.25-1) |
2-6% on Taj, 1% elsewhere |
Lounge Access |
12 domestic + 12 international |
8 domestic + 8 international |
8 domestic (Priority Pass) |
12 domestic + 8 international |
4 domestic + 4 international |
Milestone Benefits |
3 Free Night Awards (₹6L, ₹9L, ₹15L spends) |
5,000-10,000 Miles (₹7.5L-₹15L) |
15,000-40,000 MR Points (₹1.9L-₹4L) |
Gift vouchers (₹5L) |
Taj vouchers (₹3L-₹10L) |
Elite Status |
Silver Elite (Marriott) |
Silver/Gold/Platinum (Axis) |
None |
None |
Taj Epicure membership |
Forex Markup |
~2-3.5% (Diners Club) |
2% |
3.5% |
2% |
3.5% |
Other Benefits |
2 golf rounds/lessons per quarter, insurance |
Travel insurance, concierge |
Taj voucher (₹9,000), concierge |
Golf access, insurance |
Spa discounts, insurance |
Best For |
Marriott loyalists |
Frequent travelers |
Versatile travel rewards |
General travel |
Taj loyalists |
Recommendations
The HDFC Bank Marriott Bonvoy Credit Card is highly recommended for:
- Marriott Loyalists: If you frequently stay at Marriott Bonvoy properties (e.g., JW Marriott, Ritz-Carlton), the card’s Free Night Awards, Silver Elite status, and 10 Elite Night Credits offer significant value.
- Lounge Access Seekers: The 12 domestic and 12 international lounge visits with no spend requirement are unmatched in this fee range.
- High Spenders: Those spending ₹6-15 lakh annually can maximize up to 4 Free Night Awards, worth ~₹40,000.
- Golf Enthusiasts: Complimentary golf rounds/lessons add lifestyle value.
Not Recommended For:
- Non-Marriott Travelers: The card’s benefits are heavily tied to Marriott properties, offering limited value for those preferring other hotel chains or flexible rewards.
- Low Spenders: Without an annual fee waiver, the ₹3,000 fee may outweigh benefits for those not utilizing Free Night Awards or lounge access.
- International Shoppers: Diners Club’s limited acceptance may cause issues abroad.
Strategic Tips:
- Maximize Free Night Awards: Use the welcome and milestone Free Night Awards at properties like Fairfield or Courtyard, where 15,000 points cover a night worth ₹10,000-15,000.
- Leverage Festive Offers: Take advantage of 5X points promotions (e.g., October-November 2024) for accelerated earnings.
- Track Point Expiry: Ensure point-earning or redemption activity every 24 months to maintain point validity.
- Combine with Other Cards: Pair with a card like Amex Platinum Travel for versatile rewards or Axis Atlas for higher travel returns.
Alternative Cards:
- If you prefer flexibility, consider the Amex Platinum Travel for transferable points or Axis Bank Atlas for higher travel rewards.
- For Taj loyalists, the HSBC Taj Credit Card offers comparable co-branded benefits.
- For general travel, the HDFC Regalia Gold provides broader benefits at a similar fee.
Final Thought
The HDFC Bank Marriott Bonvoy Credit Card is a compelling option for Marriott loyalists, offering excellent value through Free Night Awards, Silver Elite status, and lounge access for a modest ₹3,000 fee. However, its Marriott-centric rewards, modest reward rates, and Diners Club network limitations make it less appealing for those seeking versatile travel benefits or widespread card acceptance. By strategically using milestone benefits and promotional offers, cardholders can extract significant value, particularly for luxury hotel stays. For non-Marriott travellers, cards like the Amex Platinum Travel or Axis Bank Atlas may better suit broader travel needs.