Home Credit Card HDFC Financial institution Marriott Bonvoy Credit score Card Evaluate – CardExpert

HDFC Financial institution Marriott Bonvoy Credit score Card Evaluate – CardExpert

HDFC Financial institution Marriott Bonvoy Credit score Card Evaluate – CardExpert


HDFC Bank Marriott Bonvoy Credit Card Review

Marriott has lastly stepped into Indian Credit score Card area by means of HDFC Financial institution on Diners Membership community and launched HDFC Financial institution Marriott Bonvoy Credit score Card, a semi-premium co-brand journey bank card.

As you may need seen the highlights of the cardboard beneath the launch article, right here’s the detailed overview of the Marriott Bonvoy Credit score Card,


Sort Co-brand Journey Credit score Card
Reward Price ~2%
Becoming a member of Payment 3,000+GST
Finest for Becoming a member of/Renewal advantages
USP Free Evening Awards

As most Marriott lodges settle for Diners Playing cards it’s logical for the Marriott Bonvoy Credit score Card to be launched on Diners Membership platform however it could have acceptance points in any other case relying on the place you propose to make use of the cardboard.

Charges & Advantages

Becoming a member of Payment 3,000 INR+GST
Welcome Profit 1 Free Evening Award (valued upto 15,000 Factors)
Renewal Payment 3,000 INR+GST
Renewal Profit 1 Free Evening Award (valued upto 15,000 Factors)
Renewal Payment waiver Nil

The welcome/renewal profit is well valued at 7500 INR or extra and so undoubtedly profitable for anybody to get the cardboard with out considering a bit.

apply now


HDFC Marriott Bonvoy Credit Card Design

You’re seeing one of many first few Marriott Bonvoy Playing cards printed within the nation.

Seems lovely isn’t it?

The design seems to be neat, elegant and easy and provides vibes of an excellent premium / invite solely bank card due to it’s black color and golden prints on it, considerably just like the SBI Aurum Credit score Card.

I want it’s bit vibrant although and moderately save this design for later, for a “hopefully” subsequent tremendous premium variant.


SPEND TYPE Marriott Bonvoy Factors
(PER 150 INR)
Reward Price %
(assuming 1 Level = 50Ps)
Common Spends
(Home & Intl)
2 0.66%
Journey, Eating, Leisure 4 1.33%
Marriott Accommodations 8 2.66%
  • Reward Price is calculated assuming 1 MB level = 50ps however it could actually go as excessive as 1 INR (or) even past primarily based on numerous elements. But, with most lodges in metro cities & vacation areas, its often valued at solely 50Ps.
  • Excluded spends for Rewards: Gas, pockets load, Gov spends, EMI & Lease.
  • It takes 12 weeks following the Credit score Card billing cycle for Factors to be added to the Marriott Bonvoy Member Account.

The reward price on the on-going spends is poor even for the spends at Marriott Accommodations, which I ponder why!

Ideally one can simply go along with 5x/10x rewards on HDFC Tremendous Premium Playing cards and luxuriate in rather more financial savings.

Nevertheless, if you want the nights to build up on Marriott and get nearer to Gold/Platinum/Titanium, then reserving direct and paying at lodge is the one possibility.

That apart, asking 12 weeks for factors switch in 2023 is unacceptable.

Milestone Profit

milestone benefits
Reward Price
6 Lakhs 1 Free Evening
(1 Evening)
9 Lakhs 1 Free Evening
(2 Nights)
15 Lakhs 1 Free Evening
(3 Nights)
  • Free Evening Award (FNA) reserving capped at 15,000 Factors

Above calculation is finished by contemplating the whole 15K factors at 50ps. Ideally some would redeem at even 10K factors, during which case the reward price would drop even additional.

So even when one combines each milestone & common rewards, the utmost reward price is hardly ~2% and that’s too low within the trade that simply offers over 4% on journey playing cards like Axis Magnus (for burgundy), Axis Atlas, Amex MRCC & Amex Platinum Journey.

Free Evening Award

  • Worth: Upto 15,000 Factors
  • Validity: 1 12 months
  • Fulfilment: 12 weeks, upon fee of charge or assembly spend thresholds.

Whereas Free Evening Award’s (FNA) can be utilized to redeem for lodges that requires 15K or decrease, you might also redeem them at lodges requiring past 15,000 Factors by clubbing the factors (upto 15K extra factors) out there in your Marriott Bonvoy Account.

Let’s say a lodge requires 20,000 Factors for redemption, you might use 1 FNA + 5,000 factors out of your Marriott Bonvoy Account. This manner one can make the most of the whole 15,000 factors of the Free Evening Award.

Nevertheless, word that how above really works shall be recognized solely after we expertise it in actuality. I’ll replace this part as soon as I get my FNA.

Elite Evening Credit

  • 10 Elite Evening Credit
  • Fulfilment: inside 60 days of the becoming a member of/renewal charge fee

For those who’re new to Elite Evening Credit, it’s mainly a complimentary night time given to you by Marriott which is beneficial to get nearer to the following tier beneath Marriott Bonvoy Loyalty program like Gold/Platinum/Titanium.

It’s pretty much as good as getting nights in your keep with out really staying. It’s additionally eligible for lifetime standing of the Marriott Bonvoy Member.

Silver Elite Standing

  • Precedence Late Checkout
  • 10% extra on factors than common member

One must spend 10 nights at Marriott lodges to ideally get to the Silver Elite Standing. Nevertheless, with this card it might be given as complimentary.

Truthfully, Silver Elite will not be a giant deal for lodges and so there isn’t a main benefit to essentially get some worth out of it.

Airport Lounge Entry

  • 12 Home complimentary lounge entry (per 12 months)
  • 12 Worldwide complimentary lounge entry (per 12 months)

One of many main benefit of this card is it’s beneficiant annual lounge entry limits with none quarterly capping, which makes life lot simpler.

On high of it, because it’s issued on Diners Membership platform, cardmembers can entry the lounges instantly by swiping the cardboard on the lounges with out having to hold one other Precedence Cross.

Golf Profit

  • 2 Video games/Classes per Quarter

Whereas reserving Golf video games/classes on HDFC Financial institution Credit score Playing cards are little bit of a course of over electronic mail, 2 entry per quarter on a card at this value level is definitely good to have.

The Issues

  1. Whereas the cardboard comes with a beautiful worth for it’s welcome/renewal profit & different way of life advantages like lounge/golf, it’s a poor card for ongoing spends. Therefore possibilities of folks getting the cardboard and never utilizing them can be excessive. Hope the banks runs some gives to maintain them lively.
  2. The FNA on welcome profit is predicted to be issued in 12 weeks put up clearance of the fee. That’s an excessive amount of time in 2023. I want they velocity up the system like in USA the place one will get the welcome profit activated in every week or so.

Do you have to get it?

HDFC Marriott Credit Card

There may very well be numerous causes one would get the HDFC Financial institution Marriott Bonvoy Credit score Card. Listed here are few causes as to why you would wish this card:

  1. Becoming a member of Profit may give 2x, 3x or much more worth, so its no brainer to get one for it’s becoming a member of/renewal profit
  2. For those who’re in need of few elite nights to hit Gold/Platinum/Titanium, the ten free Elite night time credit can get you there quicker.
  3. For those who’re discovering increased worth for factors than 50ps/level, then even the milestone profit can be fairly rewarding.

You would wish to take a name primarily based on above elements to see if it actually suites your profile.

Getting the Card

HDFC Marriott Bonvoy Card

You may apply on:

and select Marriott Bonvoy Credit score Card among the many choices proven put up authentication of your particulars.

For those who’re already holding HDFC Financial institution’s Credit score Card, then you might request your RM to get you another card as a floater card, the choice of which isn’t in RM’s palms. Imperia Banking with a superb standing relationship & current credit score restrict often helps.

It’s being setup as a floater card for current bank card clients identical to the Tata Neu Credit score Card as a result of I can see a 5000 INR Credit score restrict which is predicted to replicate the precise credit score restrict in every week or so.

apply now


Total the HDFC Financial institution Marriott Bonvoy Credit score Card has superb worth proposition for the charge it comes it.

Nevertheless, given that every one three manufacturers making the cardboard are into premium section, they might have simply gone for a 5K/10K charge variant.

That’s stated, one thing is healthier than nothing. But I might proceed to hope India quickly will get a Marriott Bonvoy Credit score Card with on the spot platinum profit!

Anyway, it’s a beautiful starting of in all probability a lifelong relationship with the Marriott Bonvoy Credit score Playing cards in India.

Have you ever utilized for the HDFC Financial institution’s Marriott Bonvoy Credit score Card? Be happy to share your experiences within the feedback under.



Please enter your comment!
Please enter your name here