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
Source: HDFC Bank – Marriott Bonvoy · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
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 the score of 32 is built
weights total 100% · methodologyNet 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.
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
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 HDFC Bank 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
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.