HDFC
Marriott Bonvoy Credit Card
Good fit for frequent travelers who value lounge access and low forex — ₹3,000 annual fee.
Top reasons to choose this card
- 12 domestic lounge visits, spend-gated
- ₹8L fee waiver
What you'd do with it
- Useful for travelers who need around 12 domestic lounge visits a year.
- Good fit when hotel is a regular spend category for you.
- Strong lounge access 12 per year domestic lounge
Annual fee ₹3,000 per year
Forex markup 3.5% high
Lounge access 12 domestic + 12 international visits / year
Rewards / ₹100 8 pts up to · ₹150 on Hotel
The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.
- Welcome benefit timing may vary
- Fee waiver available
- Annual fee known
- Forex markup known
- 12 domestic + 12 international lounge visits/year
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹3,000 higher than 79 of 112 cards
- Joining fee
- ₹3,000
- Forex markup
- 3.5% the standard rate (matches 66 cards)
- Lounge access
- 12/year domestic lounge · 12 per year international
- Reward rate
- Up to 8 pts / ₹150 on Hotel
Good fit for
- Strong lounge access
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver applies at ₹8,00,000 annual spend.
- Use this when hotel spends are your main use case and the listed caps/exclusions still fit your usage.
- 12 domestic + 12 international lounge visits/year
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- 12 domestic + 12 international lounge visits/year
- Verify current lounge list
- Airport lounge list may change
- ₹500 welcome benefit listed
- Welcome benefit timing may vary
- Welcome benefit timing and claim process.
- Lounge terms to verify: 12 domestic + 12 international lounge visits/year. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 2 points per ₹150. Cashback earn has structured caps. These spends do not earn cashback: Fuel, These charges will be billed on your subsequent statement within 90 d…, Gold, and BizFirst, and 9 more. Still verify current issuer terms.
Next best move
Compare with Axis Bank Horizon Similar lounge profile Best HDFC credit cards See how this card compares within HDFC. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee.
Is 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?
Fee waiver applies at ₹8,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹8,00,000yearAnnual fee waiverextremestrong
Milestone spend₹15,000yearMilestone benefittrivialdirectional
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward value is not fully resolved in the current snapshot.
- Fee waiver requires ₹8,00,000 annual spend.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn2 points per ₹150
Best verified laneHotel8 pts / ₹150
Limits/capsCashback earn has structured caps.
Exclusions/no-earnThese spends do not earn cashback: Fuel, These charges will be billed on your subsequent statement within 90 d…, Gold, and BizFirst, and 9 more.
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
Hotel8 pts / ₹150Above ₹10 per cycle—
Travel Dining4 pts / ₹150Above ₹5 per cycle—
General spend2 pts / ₹150——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Estimated using base earn (2 pts / ₹150). ~670 pts/month. Partner/category bonuses not included.
- Fee waiver unlikely at this spend
- 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
- Domestic (cardholder)
- 12/year · verified 6 Oct 2025
6 sources agree · verify issuer terms before applying
Where to verify
- HDFC official page
- PaisaBazaar
- Card Maven
- Issuer site (verify current terms) (opens in new tab)
- HDFC Marriott Bonvoy Terms Pdf
- Operator-verified anchor
- CardInsider
- BankBazaar
- International (cardholder)
- 12 per year · verified 6 Oct 2025
6 sources agree · verify issuer terms before applying
Where to verify
- HDFC official page
- PaisaBazaar
- Card Maven
- Issuer site (verify current terms) (opens in new tab)
- HDFC Marriott Bonvoy Terms Pdf
- Operator-verified anchor
- CardInsider
- BankBazaar
Rewards
- Base earn
- 2 pts / ₹150 value depends on redemption
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
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
- 3.6% / month
- Annual fee
- ₹3,000
- Joining fee
- ₹3,000 · verified 19 Jun 2026
- Fee waiver spend
- ₹8,00,000 Above catalog median waiver (₹2,00,000 vs ₹8,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
5 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Card Maven
- Shared HDFC Bank In
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Premium
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹250 per statement cycle.
Annual fee break-even math
When does this card pay for itself ₹8L yearly spend to waive the annual fee
Annual fee waiver applies at around ₹8L yearly spend.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Category cap: 2000 Reward Points per calendar month · Utility transactions
- Statement cycle cap: 2,00,000 RP per statement cycle · Maximum earn limit
- Category cap: 10,000 RP per month · insurance transactions
These spends do not earn reward points.
Financial
- Fuel
Other
- These charges will be billed on your subsequent statement within 90 d…
- Gold
- BizFirst
- GIGA Business
- Business Money back
- +7 more in this group
Expiry: 3 years, and Easy EMI cards on which cash points are valid for 1 year
- Travel redemption: ₹99 redemption fee per redemption
- Annual fee: ₹3,000.
- Forex markup currently listed at 3.5%.
- 12/year domestic lounge · 12 per year international.