HDFC Bank× Marriott BonvoyDiners ClubTravel

Marriott Bonvoy HDFC Bank credit card

Free-night award every year, Silver Elite status and 24 lounge visits.

Personal score32/100● Weak fit

Recurring net savings−₹909/yrafter fee, GST and caps · bills paid in full

First-year value₹7,091incl. ₹8,000 welcome, ₹3,540 joining fee

Effective savings rate-0.3%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)You pay ₹3,540never waived

Lounge access✈12 dom🌏12 intlyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Marriott Bonvoy · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹1,217/yrBase rate 0.6% on other spends

−₹3,540Fee you pay

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! You pay the ₹3,540 annual fee (incl. GST) – waiver needs a fee-based renewal, it is never waived.

Where the money comes from

−₹909/yr · -0.3%

Base rate 0.6% on other spendson ₹2,02,800₹1,217

4 pts/₹150 on travel, dining & entertainmenton ₹87,840₹1,054

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

Renewal fee incl. GSTyou pay it−₹3,540

◻︎ Free Night Award (up to 15,000 pts) at… · needs ₹6,00,000/year◻︎ Free Night Award at ₹9L · needs ₹9,00,000/year

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How −₹909/yr is calculated: Marriott Bonvoy HDFC Bank
+ Reward value on your spendat ₹0.45/Marriott Bonvoy Points realistic value: ₹2,271
+ Fuel surcharge waiver1% up to ₹250/month: ₹360
− Annual fee incl. 18% GSTcharged every year: −₹3,540
= Recurring net savings: −₹909/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: -0.3%

How the score of 32 is built

weights total 100% · methodology

Net savings rate0/100 × 55%0.0

Usable lounge access100/100 × 15%15.0

Redemption flexibility40/100 × 10%4.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety0/100 × 5%0.0

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

12 per yeardomestic

12 per yearinternational

How you get in: Diners Club lounge network · issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via Diners Club lounge network verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via Diners Club lounge network verified
🌏T3 Encalm Privé (T3 International) Encalm · via Diners Club lounge network verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Diners Club lounge network verified
✈T1 Encalm Lounge (T1) Encalm · via Diners Club lounge network verified
✈T2 Encalm Lounge (T2) Encalm · via Diners Club lounge network verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via Diners Club lounge network verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via Diners Club lounge network verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Diners Club lounge network verified
🌏Main Encalm Privé (International) Encalm · via Diners Club lounge network check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via Diners Club lounge network verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via Diners Club lounge network check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Diners Club lounge network verified
✈T1 Adani Lounge (T1) Adani Airports · via Diners Club lounge network verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via Diners Club lounge network verified
🌏T2 080 International Lounge BIAL · via Diners Club lounge network verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via Diners Club lounge network verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via Diners Club lounge network verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via Diners Club lounge network check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Diners Club lounge network verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via Diners Club lounge network verified
🌏T2 Adani Lounge (International) Adani Airports · via Diners Club lounge network verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via Diners Club lounge network check at desk
🌏Main Bird Lounge (International) Bird Group · via Diners Club lounge network check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via Diners Club lounge network check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Diners Club lounge network check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via Diners Club lounge network verified
🌏T3 Earth Lounge (International) CIAL · via Diners Club lounge network verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via Diners Club lounge network verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Diners Club lounge network verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via Diners Club lounge network verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Diners Club lounge network check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via Diners Club lounge network verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Diners Club lounge network check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.6%value on eligible spend

⚡ Accelerated2.4% 8 pts/₹150 at Marriott…1.2% 4 pts/₹150 on travel,…

🚫 No rewards onfuelrent

🏷️ Fees₹3,540/yr incl. GSTnot spend-waivable

🎁 Welcome (year 1)≈ ₹8,000Free Night Award on joining

🏁 Milestones₹8,000 @ ₹6,00,000/year₹8,000 @ ₹9,00,000/year

✈️ Lounge✈12/yr dom🌏12/yr intlDiners Club lounges

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹0.45/Marriott Bonvoy Points ★★☆☆☆Redeem for Marriott stays; ~₹0.45/point on typical Indian redemptions.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylehotel statusgolffuel waiverinsurance coverMarriott Bonvoy Silver Elite status + 10 Elite Night Credits

🪪 EligibilityIncome ₹12L+/yr or ₹1L+/month salary

At a glance

Free night worth ₹8k+ every year
12 domestic + 12 international lounges
Golf and Silver Elite perks

Fee is never waived
Weak 0.6% base earning
Only worth it if you stay at Marriott

Compare Marriott Bonvoy HDFC Bank with

Marriott Bonvoy HDFC Bank vs Axis Bank Atlas

Community Q&A on the Marriott Bonvoy HDFC Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

Loading discussion…

Frequently asked questions

What is the annual fee of the Marriott Bonvoy HDFC Bank?

Joining fee ₹3,000 and renewal fee ₹3,000, plus 18% GST (₹3,540 a year). The fee is not waived on spend.

Does the Marriott Bonvoy HDFC Bank give airport lounge access?

12 domestic + 12 international/yr. Diners Club lounges.

How much can I save with the Marriott Bonvoy HDFC Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹909 a year, an effective savings rate of -0.3% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Marriott Bonvoy HDFC Bank's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

HDFC Bank – Marriott Bonvoy

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Marriott Bonvoy HDFC Bank lounge access by airport · all HDFC Bank cards · change log.