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HDFC Bank · Premium

Marriott Bonvoy HDFC

Where it ranks across all 187 cards
#16 Hotels 3.2% at Marriott hotels (direct) direct #39 Flights 1.6% direct #43 Dining out 1.6% direct
#47 Movies & events 1.6% direct #45 Insurance 0.8% direct #47 Education 0.8% direct #53 Utility bills 0.8% direct #69 Jewellery & watches 0.8% direct #84 Mobile / broadband 0.8% direct #90 Train tickets 0.8% direct #96 Cabs & transit 0.8% direct #102 Other 0.8% direct #103 Health & pharmacy 0.8% direct #106 Electronics 0.8% direct #114 Online shopping 0.8% direct #115 Fashion 0.8% direct #116 Food delivery 0.8% direct #118 Groceries 0.8% direct
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Engine value - conservative, what rankings use
₹0.6/pt
0.80%
Points valued at ₹0.6/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.80%base rate
2 pts / ₹150
source
Source: Marriott Bonvoy HDFC MITC - hdfcbank.com - read 21 Aug 2026
8 Bonvoy pts/₹150 at participating Marriott properties
3.20%this rule
8 pts / ₹150
capped at ₹10,00,000 Marriott spend/month (53,335 pts)
source
Source: Marriott Bonvoy HDFC T&C 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
4 Bonvoy pts / ₹150 on travel, dining & entertainment
1.60%this rule
4 pts / ₹150
₹5,00,000 spend/month on this tier
source
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Base rate, but capped1
2 Bonvoy pts / ₹150 on grocery, capped 2,000 pts/month
base rate
2,000 pts/month (₹1.5L grocery spend)
source
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹6,00,000 / year
Free Night Award (≤15,000 pts, 12-month validity) at ₹6L
₹9,000estimated value
₹9,00,000 / year
+1 FNA at ₹9L
₹9,000estimated value
₹15,00,000 / year
+1 FNA at ₹15L (max 3 milestone FNAs/yr)
₹9,000estimated value
Earns nothing on6 exclusions
Fuel
earns nothing
Fuel earns no Bonvoy points.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
Rental transactions earn nothing.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn nothing.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet/gift/prepaid/voucher loads via MCC 6540 earn nothing (code printed by the bank).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online gaming earns nothing.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI payments earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Insurance has NO cap on this card (unique among HDFC cards, MITC-confirmed).
categories: EMI
Source: Marriott Bonvoy HDFC T&C, 6 Oct 2025 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
One Free Night Award as a welcome gift, redemption value of up to 15,000 points
on joining · credited within 6 weeks of an eligible spend of ₹500 or levy of the annual membership fee, whichever is earlier (cardmembers onboarded from 1 Oct 2026 get it within 6 weeks after the fee levy); valid 12 months, standard room only, breakfast not included; wallet reloads and EMI do not count toward the ₹500
Source: HDFC Bank - Marriott Bonvoy HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
10 Elite Night Credits
on joining · credited within 6 weeks of the ₹500 eligible spend or annual membership fee levy, whichever is earlier; expire 31 December each year regardless of card issue month
Source: HDFC Bank - Marriott Bonvoy HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
Complimentary Marriott Bonvoy Silver Elite status
on joining and each renewal · awarded on card approval (allow up to 8 weeks) and renewed each anniversary year; requires the Marriott Bonvoy account to stay active and not in default
Source: HDFC Bank - Marriott Bonvoy HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
One Free Night Award (up to 15,000 points) every anniversary year
each renewal · credited within 6 weeks after annual membership fee levy; valid 12 months from issuance
Source: HDFC Bank - Marriott Bonvoy HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Domestic and international airport lounges
12 complimentary domestic lounge visits and 12 complimentary international lounge visits a year; available to primary and supplementary cardmembers but not their guests
Source: HDFC Bank - Marriott Bonvoy HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
Golf courses
Complimentary green-fee waiver access to select golf courses with lessons, twice a quarter
Source: HDFC Bank - Marriott Bonvoy HDFC Bank Credit Card T&C - hdfc.bank.in - read 11 Oct 2026
Rent
HDFC rent fee 1% + GST (capped ₹4,999 per transaction)
1%
🛎️ Marriott Bonvoy HDFC free-night ladder
The card is mediocre per-swipe but the milestone ladder is the point: ₹6L/₹9L/₹15L anniversary spend each unlock a 15,000-pt Free Night Award, plus one on renewal - and since 2026 FNAs can be topped up with 25,000 own points to book 40k-point properties.
A 15,000-pt FNA used at a ₹18,000/night property returns ~3% incremental on the ₹6L milestone alone; three FNAs + renewal night on ₹15L spend can push total value past 4-5% (property-dependent - community valuation, not bank-printed).
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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