M16S / HDFC Bank / Marriott Bonvoy HDFC Bank Credit Card
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Marriott Bonvoy HDFC Bank Credit Card
The Marriott Bonvoy HDFC Bank Credit Card costs Rs 3,000 a year. Its base return is 0.67%. The forex markup is 3.5%. Lounge visits in India: 12 per year within India (domestic and international terminals). Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 3,000+ GST
- Fee waived at
- —
- Base return
- 0.67%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- HDFC Bank Marriott Bonvoy ties welcome night to fee levy for new cards, Oct 2026
Cardmembers onboarded up to 30 Sep 2026 get the Free Night Award and 10 Elite Night Credits after the first Rs 500 eligible spend or fee levy, whichever is earlier. Those onboarded from 1 Oct 2026 get both within 6 weeks after fee levy. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps utility and telecom Reward Points at 2,000 a month, Sep 2024
From 1 Sep 2024 Reward Points earned on utility transactions are capped at 2,000 per calendar month, and Reward Points earned on telecom transactions are capped at 2,000 per calendar month. Millennia, UPI, Swiggy, Paytm and a few other cards keep their own product feature caps. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on education paid via third party apps, Sep 2024
From 1 Sep 2024 education payments made through third party apps such as CRED, Cheq and MobiKwik earn no Reward Points, and points already earned there are reversed. Payments made directly to schools and colleges are not covered by this line. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 3,000 |
|---|---|
| Annual fee | Rs 3,000 |
| Fee notes | Joining/renewal Rs 3,000 + taxes. No spend-based fee waiver; a lifetime-free issue forfeits the welcome/annual benefits (product page FAQ). Joining fee is levied on the 45th day from issuance for cards issued on or after 1 Dec 2023. |
Rewards
| Welcome benefit | 1 Free Night Award (up to 15,000 Bonvoy points), 10 Elite Night Credits and Silver Elite status; for cards onboarded on or after 1 Oct 2026, given on levy of the card fee |
|---|---|
| Reward currency | Marriott Bonvoy Points |
| Base earn | 2 Marriott Bonvoy points per Rs 150 on other applicable purchases |
| Base returnunverified | 0.67% |
| Point valueunverified | No fixed rupee value; the page says points cannot be exchanged for cash. Aggregator estimate about Rs 0.50 per Bonvoy point |
| Accelerated earn | 8 points per Rs 150 at hotels participating in Marriott Bonvoy; 4 points per Rs 150 on travel, dining and entertainment |
| Caps | 8X up to Rs 10 lakh monthly hotel spend; 4X up to Rs 5 lakh monthly; grocery 2,000 points/month; no cap on insurance points (MITC) |
| Spends that earn nothing | Fuel (MITC), EMI, wallet loads, vouchers, cash advances, government, rent |
| Points expiry | No expiry if there is earn or redeem activity every 24 months (MITC) |
| Milestone benefits | 1 Free Night Award (up to 15,000 points, valid 12 months) each at Rs 6 lakh, Rs 9 lakh and Rs 15 lakh eligible spend in an anniversary year. Limited offer 1 Oct-30 Nov 2026 (enrolment needed by 10 Nov 2026): 15,000 points on Rs 1.5 lakh or 30,000 points on Rs 2.5 lakh spend |
| Reward notes | Points post directly to the Marriott Bonvoy account; HDFC redemption caps do not apply. base_return_pct not recomputed: the issuer states the earn rate but no rupee value, so 0.67% still rests on the aggregator's Rs 0.50 estimate. |
Transfers
| Partners | Marriott Bonvoy (native currency; Marriott's own airline partners apply) |
|---|---|
| Ratio | Not applicable; earns Bonvoy points directly |
Travel and perks
| Domestic lounge | 12 per year within India (domestic and international terminals) |
|---|---|
| International loungeunverified | Complimentary access outside India every year; the product page does not print the count (earlier data: 12 per year) |
| Lounge conditions | No spend condition stated on the page |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | 10 Elite Night Credits; 2 golf lessons and 2 golf course accesses per quarter; concierge 9 am-9 pm; insurance: baggage delay/loss up to $250, loss of travel documents $250, flight delay $250, air accident $12,500, emergency medical $18,750, credit shield Rs 1 lakh, loss liability Rs 9 lakh |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, net monthly income above Rs 1 lakh. Self-employed: age 21-65, ITR above Rs 15 lakh a year. Existing HDFC cardholders get it as a floater card with shared limit and need an existing limit of at least Rs 1 lakh |
| Fine-print notes | Diners network (the page refers to Diners contactless and the DCI lounge app). No fee waiver. Product page read 2026-10-12; forex markup, fuel waiver and the international lounge count are not stated on it. Conflicts with earlier data (issuer page used): interest_rate_monthly_pct: earlier value 3.75% (MITC default); product page FAQ says 3.6% a month. Two issuer documents disagree; verify against the current MITC. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the Marriott Bonvoy HDFC Bank Credit Card?
- Rs 3,000 a year, before GST.
- Does the Marriott Bonvoy HDFC Bank Credit Card give airport lounge access?
- Yes. In India: 12 per year within India (domestic and international terminals). Outside India: Complimentary access outside India every year; the product page does not print the count (earlier data: 12 per year). Conditions: No spend condition stated on the page
- What is the forex markup on the Marriott Bonvoy HDFC Bank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Marriott Bonvoy HDFC Bank Credit Card?
- Fuel (MITC), EMI, wallet loads, vouchers, cash advances, government, rent