Eligible spend
2 points per ₹150 on eligible spend
HDFC DINERS
Marriott Bonvoy
Should you get this?
Conditional fit
Why this card
- Up to 8 pts / ₹150 on Hotel
- You travel frequently and will use the lounge benefits.
- You spend on hotel.
Trade-off
Annual fee waiver isn't clearly documented.
Annual fee ₹3,000 per year
Rewards 2 pts / ₹150 base
Lounge access 12 domestic + 12 international visits / year
Forex markup 3.5% high
Compare with Axis Bank Horizon →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹150Credited as reward pointsDoes not earn on —
- fuel
Hotel8 pts / ₹150Credited as reward points53,335 points per month; at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend
Travel Dining4 pts / ₹150Credited as reward points13,335 points per month; at 4 pts / ₹150, this lane reaches the cap at ~₹5 lakh of eligible spend
Annual fee in context
Annual fee is ₹3,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Hotel
8 pts / ₹150
View bonus categories →Caps
- Hotel53,335 points per month
Why?
at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend
- Travel Dining13,335 points per month
Why?
at 4 pts / ₹150, this lane reaches the cap at ~₹5 lakh of eligible spend
No reward on
- Fuel
- These charges will be billed on your subsequent statement within 90 d…
- Gold
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Salaried applicant
- Net monthly income
- Above ₹1,00,000issuer-stated
- Gross monthly income
- Above ₹1,00,000secondary
- Minimum age
- 21 years or oldersecondary
Attestation differs per figure — see each tag
Self-employed applicant
- Annual ITR
- Above ₹15,00,000issuer-stated
- Monthly income
- Above ₹1,00,000secondary
- Minimum age
- 21 years or oldersecondary
Attestation differs per figure — see each tag
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹150). Up to ~670 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
Yes — 12 per year domestic and 12 per year international, subject to an unverified spending condition.
Spend condition unverified- Domestic
- 12 per year Lounge programme not verified
- International
- 12 per year via Diners Club International
- Spend condition
- Spend condition could not be verified.
- Who can use it
- Primary and supplementary cardholders. Guests are not eligible.
- Evidence
- Issuer-anchored Confirmed against issuer or lounge-operator evidence.
Rewards
- Base earn
- 2 points per ₹150 value depends on redemption
Insurance Cover
- Lost card liability cover
- ₹9 lakh · verified 5 Jul 2026
- Underwriter
- Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- First-year cost
- ₹3,000 · verified 19 Jun 2026
- Annual fee
- ₹3,000
- Joining fee
- ₹3,000 · verified 19 Jun 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Card Maven
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹250 per month.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Hotel cap: 53,335 points per month; at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend.
- Travel Dining cap: 13,335 points per month; at 4 pts / ₹150, this lane reaches the cap at ~₹5 lakh of eligible spend.
Exclusions
These spends do not earn reward points.
Financial
- Fuel
Other
- These charges will be billed on your subsequent statement within 90 d…
- Gold
Latest update
- First-year cost: ₹3,000.
- Annual fee: ₹3,000.
- Forex markup currently listed at 3.5%.
- 12 per year domestic lounge · 12 per year international.
Common questions
From verified card factsIs this good for lounge access?
12 domestic + 12 international lounge visits/year. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- Marriott Bonvoy card foreign transaction fee
The published forex markup, with a ₹50,000 example - Forex markup bands
0% vs 3.5% — which cards publish what - HDFC SmartBuy
Accelerators, caps, and traps