HDFC Bank Marriott Bonvoy Credit Card Review
HDFC Bank Marriott Bonvoy Credit Card
Overview
Looking for a comprehensive review of the HDFC Bank Marriott Bonvoy Credit Card? You’ve landed at the right place! Our in-depth review will cover everything you need to know, from features and rewards to the pros & cons of HDFC’s flagship travel card.
Perfectly tailored for the everyday reader, this review will help you make an informed decision, no matter where you are. Ready to get started?
Whether you’re a frequent traveller or a Marriott Bonvoy patron, this review will help you decide if this card matches your lifestyle.
Let’s dive in !!
At A Glance
HDFC Bank Marriott Bonvoy Credit Card
- Joining Fee: Rs 3000 + GST
- Annual Fee: Rs 3000 + GST
- Best for: Hotel stays
- Best Feature(s): Marriott Bonvoy stays, Domestic & International Airport Lounge Access
Fees & Charges
| Description | Fees & Charges |
|---|---|
| Joining Fee | Rs 3000 + GST |
| Renewal/Annual Fee | Rs 3000 + GST |
| Annual Fee Waiver | No waiver |
| Add-on Card Fee | NIL |
| Foreign Currency Markup Charges | 3.50% of the transaction amount |
| Interest Rates | 3.60% per month, 43.20% per year |
| Fuel Surcharge | 1% of the eligible fuel transaction amounts |
| Railway Ticket Purchase Fee | 1% of the transaction amount + GST |
| Cash Advance Charges | 2.5% or Rs 500 ( whichever is higher) of the withdrawn amount |
| Charges on overlimit account | 2.5% of overlimit amount, subject to a minimum of Rs 550 |
| Rewards Redemption Fee | Rs 99 per redemption request |
| Reward Point Validity | Valid only for 2 years from the date of accumulation |
| Balance Transfer Processing Charges | 1% of BT amount or Rs 250, whichever is higher. |
| Rent Pay Transactions | 1% fee on transaction amount will be levied on rental transactions done on any applicable merchant from the 2nd transaction for the month |
Welcome Benefits
HDFC Bank Marriott Bonvoy Credit Card
- 1 Free Night Award upon payment of joining fee (up to a maximum value of 15,000 Marriott Bonvoy Points).
- Complimentary Marriott Bonvoy Silver Elite Status.
- 10 Elite Night Credits (ENCs) within the Marriott Bonvoy Program.
Eligibility Criteria
Salaried Indian National
- Age: Min 21 years & Max 60 Years
- Gross Monthly Income> Rs 1,00,000
Self Employed Indian National
- Age: Min 21 years & Max 65 Years
- Income: ITR > Rs 15 Lakhs per annum.
Milestone Benefits
After reaching the spend-based value, you will receive the following benefits:
Benefits Info
- 1 Free Night Award on eligible spend of Rs. 6 Lakhs in an Anniversary Year
- 1 Free Night Award on eligible spend of Rs. 9 Lakhs in an Anniversary Year
- 1 Free Night Award on eligible spend of Rs. 15 Lakhs in an Anniversary Year
There are a few critical things to note:
* Each Free Night Award (valid for 12 months) can be redeemed for a 1-night stay, including the room rate and applicable taxes, at participating hotels in Marriott Bonvoy.
* The redemption level for each Award night is up to 15,000 Marriott Bonvoy Points.
So, if you see the total number of nights that you can earn with this card:
| Spending Requirement | Milestone Benefit |
|---|---|
| Welcome Benefit | 1 Free Night |
| 6 Lakhs | 1 Free Night |
| 9 Lakhs | 1 Free Night |
| 15 Lakhs | 1 Free Night |
The Free Night Award is only available to the Primary Cardmember. Supplementary card members on your Account are not eligible for this benefit.
Free Night Award cannot be redeemed at Bulgari, Marriott Executive Apartments and
Homes & Villas by Marriott Bonvoy.
Reward Points ~ Marriott Bonvoy Points
With the Marriott Bonvoy HDFC Credit Card, you are rewarded for your spending in the form of Marriott Bonvoy Points. These points can be redeemed for booking stays at participating Marriott properties, as well as for moment experiences, travel, and other services and merchandise.
| Spend Type | Reward Points (per Rs 150 spend) | Reward Rate |
|---|---|---|
| Marriott Bonvoy Hotels | 8 | 2.66% |
| Travel, Dining & Entertainment | 4 | 1.33% |
| All Other Applicable Purchases | 2 | 0.66% |
Exclusions
Marriott Bonvoy Points will not be earned for transactions purchases related to the following product categories:
Exclusions Info
- EMI payments
- Fuel payments
- Wallet-loading transactions/gift or prepaid card-loading transactions/voucher purchases
- Cash advances
- Payment of outstanding balances
- Payment of fees and other charges for any card
- Government related transactions
- Rental transactions
At the end of each billing cycle, Marriott Bonvoy Points earned during a credit card billing cycle will automatically transfer to the Primary card member’s Marriott Bonvoy Member Account.
Now, there is one thing which looks absolutely bizarre:
It takes up to 12 weeks for Points to be added to the Primary Cardmember’s Marriott Bonvoy Member Account following the Credit Card billing cycle.
Monthly Capping on Marriott Bonvoy Points
Yes, there is a monthly cap on how many Marriott Bonvoy Points you can earn.
| Spend Type | Maximum Eligible Spends( Per Month ) | Marriott Bonvoy Points to be earned ( Per Month ) |
|---|---|---|
| Marriott Bonvoy Hotels | Rs 10 Lakhs | 53,335 |
| Travel, Dining & Entertainment | Rs 5 Lakhs | 13,335 |
| All Other Applicable Purchases | Rs 1.5 Lakhs | 2,000 |
You can view the list of hotels that participate in Marriott Bonvoy Program:
Airport Lounge Access
Airport Access Info
- 12 Complimentary access within India (both domestic and international terminals) is provided each year using the Marriott Bonvoy HDFC Bank Credit Card.
- 12 Complimentary access outside India using the Marriott Bonvoy HDFC Bank Credit Card each year.
To get to know the list of participating Airport lounges, download this “Diners Club International(DCI)” app:
Insurance/Comprehensive Protection
Concierge Services
Concierge Info
- Customers can connect to the concierge number from 9a.m-9p.m.
- Toll Free: 18003093100
- Email: [email protected]
HDFC Bank Customer Service
- Toll-Free: 1800 266 3310( 24*7 Helpline)
- Landline: 022-6171 7606 (For customers travelling overseas)
New Updates
As of December 15, 2023
| Old Feature(s) | Updated Feature(s) |
|---|---|
| Allow up to 12 weeks for your Free Night Award to be deposited into your Marriott Bonvoy Member Account after paying the Joining Fee, Annual Membership Fee, or meeting the spending thresholds. | All cardholders will receive their joining/renewal benefit of 1 Free Night Award within three weeks of completing their first transaction, starting from December 15, 2023. Additionally, milestone benefits will be credited within three weeks of reaching the spending milestone. |
| Within 60 days of receiving your payment for the Joining Fee, 10 Elite Night Credits will be credited to your Marriott Bonvoy Member Account. | The 10 Elite Night Credits will be credited to the Members' Marriott Bonvoy Account within three weeks after the first spend transaction on your card. Each subsequent year, 10 Elite Night Credits will be credited within three weeks after the card is renewed and the first spend transaction is made. |
Conclusion
The HDFC Bank Marriott Bonvoy Credit Card is an excellent choice for frequent travellers wishing to maximize their rewards and take advantage of its exclusive benefits.
It is best suited for those who often stay at Marriott properties and value luxury experiences.
Providing various perks, from reward points to top-notch insurance coverage, this card will elevate your travels and optimize your overall spending.
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FAQs
What is the HDFC Bank Marriott Bonvoy Credit Card?
The HDFC Bank Marriott Bonvoy Credit Card is a co-branded credit card offered by HDFC Bank and Marriott. It provides various benefits, including reward points, Marriott Bonvoy Silver Elite status, dining discounts, and more.
How can I apply for the HDFC Bank Marriott Bonvoy Credit Card?
You can apply for the HDFC Bank Marriott Bonvoy Credit Card online through the HDFC Bank’s website or at any HDFC Bank branch.
Who is eligible to apply for the HDFC Bank Marriott Bonvoy Credit Card?
The HDFC Bank Marriott Bonvoy Credit Card’s eligibility criteria include a minimum age of 21 years, a satisfactory credit score, and an income threshold. However, these criteria can differ slightly, so checking the HDFC Bank’s website or your local branch for the latest information is best.
How can I redeem my Marriott Bonvoy points?
You can redeem your Marriott Bonvoy points for stays at Marriott hotels or flights with over 40 airlines. In addition, the points can be used for various dining, shopping, and unique experiences.
Is the HDFC Bank Marriott Bonvoy Credit Card good for frequent travellers?
The HDFC Bank Marriott Bonvoy Credit Card is ideal for frequent travellers, especially those who prefer staying at Marriott properties. With significant reward points, complimentary night stay, free in-room Wi-Fi access, and insurance coverage, the card offers multiple benefits to enhance travel experiences.
