Cards · HDFC Bank

Marriott Bonvoy HDFC Bank Credit Card: rewards, caps and exclusions

The Marriott Bonvoy HDFC Bank Credit Card pays about 3.47% on Marriott bonvoy properties + marriott retail/online, on the first ₹10,00,000 of spend a month, and 0.87% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 8 October 2026.

Diners Club₹3,000 a yearPaid in points

What it earns

≈3.47%Marriott bonvoy properties + marriott retail/onlineon the first ₹10,00,000 of spend a month

≈1.73%Transport, Food, Entertainmenton the first ₹5,00,000 of spend a month

≈0.87%Grocerieson the first ₹1,50,000 of spend a month

≈0.87%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.65 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

EMI conversions
Gaming
Fuel
Wallet loads
Cash withdrawals and fees
Government payments
Rent

Milestones

In HDFC Bank's own words:

welcome + every anniversary year → 1 Free Night Award (≤15,000 pts, valid 12 months)
annual eligible spend ≥ ₹6L → +1 FNA → +1 Free Night Award
annual eligible spend ≥ ₹9L → +1 FNA → +1 Free Night Award
annual eligible spend ≥ ₹15L → +1 FNA (max 3 milestone FNAs/yr) → +1 Free Night Award (max 3/yr)

Fees

Annual fee: ₹3,000, plus 18% GST
Joining fee: ₹3,000

Welcome benefit: 1 Free Night Award (≤15,000 pts) + Silver Elite + 10 Elite Night Credits on spending ₹500.

Where this comes from

Transcribed from HDFC Bank's own documents and checked against them on 8 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works