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Marriott Bonvoy HDFC Credit Card

Product Details
Credit Card Name : 

Marriott Bonvoy HDFC Credit Card

Bank Name :

HDFC Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.6% per month (i.e., 43.2% per annum)

Eligibility :

Salaried Indian National:
Age: Min 21 years & Max 60 Years
Net Monthly Income> Rs 1,00,000
Self-Employed Indian National:
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 15 Lakhs per annum.

Marriott Bonvoy HDFC Credit Card
Pros
  • Welcome Benefit: Complimentary Marriott Bonvoy Silver Elite Status, and 1 Free Night Award plus 10 Elite Night Credits on the first spend transaction. 

  • Milestone Benefit: 1 Free Night Award on Eligible Spend of INR 6 lakhs in an Anniversary Year, 1 Free Night Award on Eligible Spend of INR 9 lakhs in an Anniversary Year, and 1 Free Night Award on Eligible Spend of INR 15 lakhs in an Anniversary Year. 

  • Rewards: Earn 8 Marriott Bonvoy Points per Rs. 150 spent at Marriott Bonvoy, Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment, and Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases. 1 RP= INR 0.30 Effective Cashback Rate: 3.6%

  • Other Benefits: Complimentary Golf Access 2 per quarter across the world, 12 complimentary lounge access within India and outside India. 

Cons
  • High Annual Fee: The card comes with a relatively high annual fee compared to other travel cards in the market. This fee needs to be offset by the benefits and rewards you plan to utilize to make the card worthwhile.

  • Limited Reward Earning Outside Travel: The card offers a lower reward rate for non-travel categories compared to some travel cards, making it less beneficial for everyday spending.

Pros & Cons
Welcome Benefits

Welcome Benefit: Complimentary Marriott Bonvoy Silver Elite Status, and 1 Free Night Award plus 10 Elite Night Credits on the first spend transaction. 

Rewards System
  • Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy

  • Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment

  • Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases

  • 1 RP= INR 0.30 

  • Effective Cashback Rate: 3.6%

International Forex Markup
  • IFM: 2.5% 

Welcome Benefits and Reward System
Special Features

1 Free Night Award and 10 Elite Night Credits on first spend transaction

Eligibility Criteria

Salaried Indian National:
Age: Min 21 years & Max 60 Years
Net Monthly Income> Rs 1,00,000
Self-Employed Indian National:
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 15 Lakhs per annum.

Benefits
  • Free hotel stay 

  • Golf and lounge access facility 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Visit the HDFC Bank website: https://www.hdfcbank.com/

  • Go to the "Credit Cards" section and select "Marriott Bonvoy Credit Card".

  • Click on "Apply Now".

  • Fill out the online application form with your personal details, income information, and employment details.

  • Upload the required documents (PAN card, address proof, income proof, etc.).

  • Submit the application and wait for a response from HDFC Bank.

Contact Details
Account Opening and Procedure
Marriot Bonvoy HDFC Credit Card

The HDFC Bank Marriott Bonvoy Credit Card shines for frequent Marriott travelers seeking rewards and benefits within the Marriott Bonvoy program. The welcome bonus, free night stay, and potential for elite status can be valuable for those who regularly stay at Marriott properties. However, for individuals who don't prioritize Marriott stays or seek broader travel flexibility, the high annual fee and limited benefits outside the Marriott Bonvoy program make this card less appealing.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining/ Renewal Membership Fee: Rs. 3000 + Applicable Taxes

  • Cash Advance Charges: 2.5% or ₹500 whichever is higher

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Late Payment Fees: Ranges from INR 100 to INR 1300.

  • Foreign Exchange Mark-up fees: 2.55

Fuel Surcharge

N/A 

Billing Cycle

30 Days

Fees & Charges
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