Marriott Bonvoy HDFC Bank Credit Card

Marriott Bonvoy HDFC Bank Credit Card – Features and Benefits

The following are the features and benefits associated with the Marriot Bonvoy HDFC Bank credit card –

Welcome Benefits

Get a 1 Free Night Award valid for 1 year at participating Marriott Bonvoy hotels around the world, worth up to 15000 points, as a welcome benefit and every time you renew the credit card. Some hotels will charge a separate resort fees from you.

You need to make the booking via the Marriott website or mobile app to redeem your Free Night Award, and then apply for the e-certificate at the hotel. You can also use up to 15000 Marriott points to extend the value of your Free Night Award and access even more hotels and resorts under the Marriott Bonvoy chain.

Marriott Bonvoy Silver Elite Status

The cardholders get a complimentary Marriott Bonvoy Silver Elite status with a fast track to Gold Elite status upgrade. You also get 10 Elite Night credits per year.

Milestone Benefits – Bonus Free Night Awards

You can earn up to 3 additional Free Night Awards on reaching the target spend milestone, in addition to the one you get as a welcome benefit. Get an additional free night award, worth up to 15000 points, when you reach the target spend threshold of Rs. 6 Lakhs, Rs. 9 Lakhs, and Rs. 15 Lakhs in the card anniversary year.

This benefit is just for the primary cardholder and add-on cardholders are not eligible to claim this benefit. The free night award is credited within 8 to 12 weeks to your Marriott Bonvoy membership account.

Reward Points

The card offers Marriott Bonvoy points on making eligible spends with the credit card

• Get 8 reward points per Rs. 150 spent on retail at participating hotels in the Marriott Bonvoy program. You get the accelerated reward rate up to a monthly spend threshold of Rs. 10 Lakhs after which you get 2 reward points per Rs. 150 spent.
• Get 4 reward points per Rs. 150 spent on travel, dining, and entertainment. You earn accelerated RPs up to a monthly limit of Rs. 5 Lakhs after which you get 2 RPs per Rs. 150 spent.
• Get 2 reward points per Rs. 150 spent on other eligible spend categories. You get 2 reward points up to a monthly limit of Rs. 1.5 Lakhs on grocery spends after which you do not earn any reward points.

Marriott Bonvoy points are not earned on the following spend categories –

• Smart EMI spends
• Fuel
• Wallet reloads and purchase of prepaid, gift cards, and vouchers
• Cash advances
• Payment of credit card fees and other charges
• Payment of outstanding balances
• Rental spends and Govt. related spends

The reward points earned by the cardholder are credited to their account within 60 days of making the eligible transactions. Marriott Bonvoy points don’t expire as long as the cardholder makes any qualifying activity like card spends, hotel stays, dining, etc. within the past 24 months.

Travel Benefits

The cardholder gets 12 complimentary domestic lounges at both international and domestic terminals as well as 12 international lounge access per year. Cardholders can check the Diners travel tools application to view the list of domestic and international lounges accessible with the card.

Golf Benefits

You can enjoy 2 complimentary golf course access and 2 golf lessons at top golf courses around the world per quarter.

Insurance Benefits

You get the following insurance benefits with the Marriott Bonvoy HDFC Bank credit card –

• Air accident cover – Rs. 10 Lakhs
• Emergency medical expenses – Rs. 15 Lakhs
• Loss or delay of check-in baggage – $250
• Loss of travel documents and passport – $250
• Delay in flight – $250
• Loss liability cover and credit shield – Rs. 1 Lakhs

Marriott Bonvoy HDFC Bank Credit Card – Fees and Charges

The following are the fees and charges associated with the credit card –

• The credit card has a joining and annual fee of Rs. 3000 plus taxes
• The credit card charges an interest rate of 3.6% per month
• The cash withdrawal fee is 2.5% of the withdrawn amount or Rs. 500, whichever is higher
• The forex markup fee on the card is 3.5% of the transaction amount

You can even get the credit card lifetime free in certain conditions but you will not get the welcome benefit in this case as you do not pay the joining fee. Only cardholders who successfully pay the joining fee of the card are eligible to receive 1 Free Night Award welcome benefit.

Generating Marriott Bonvoy Program Membership Number

After an individual’s application for the Marriott Bonvoy HDFC Bank credit card is approved, it takes 10 days to generate his Membership Number. Once the membership number is generated, Marriott send an official communication via email or SMS to the cardholder.

When you apply for the credit card, you’ll be asked if you already have a Marriott Bonvoy account. If you fail to provide one, then the new membership number will be delivered to you inside 10 days after your credit card application is approved.

If you have an existing Marriott Bonvoy account linked to your mobile number and email, you can provide the same in the application, and the card will be linked to your existing Membership Number. The reward points earned by you will be credited to this account. If you don’t provide an existing account number, then you will be automatically enrolled to a new membership account. You have a period of 30 days to merge your old account to the new one, and the new Membership Number will then be your primary account. Here is how you can merge two Marriott Bonvoy accounts together.

Eligibility Requirements

You must pass the following eligibility requirements in order to be eligible for the Marriott Bonvoy HDFC Bank credit card –

• Self-employed citizens of India should be aged between 21 to 65 years of age, and must have an annual ITR of over Rs. 15 Lakhs per year
• Salaried citizens of India should be aged between 21 to 60 years of age, and must have a gross monthly income higher than Rs. 1 Lakhs

It will take 3 to 5 working days for the application to be approved, and once the application is approved you will receive the credit card within 7 business days.

How to Apply for the Credit Card

Follow these steps in order to apply for the Marriott Bonvoy HDFC Bank credit card –

• Click on the Apply Now button at the top of the page
• You will be redirected to the HDFC Bank portal to continue your application
• Enter your mobile number, name, date of birth, and other necessary details
• Authenticate your details with the OTP sent to your mobile number
• Confirm your details and then submit the application

Bottom Line

HDFC Bank and Marriott International have come together to launch India’s first hotel co-branded card, the Marriott Bonvoy HDFC Bank credit card. Existing Marriott members can merge their membership with the card and get the new membership account number with exciting privileges.

The card charges Rs. 3000 as joining fees and offers free night award as welcome benefit to the cardholders. You can also earn 3 additional free night awards, complimentary Silver Elite status, and 10 Elite Night Credits per year with the card. The reward rate on the card is decent offering up to 8 Marriott Points on eligible spends with the card. You can also enjoy complimentary golf rounds and 12 domestic as well as international lounge access with the card.

If you are someone who regularly travels and are loyal to the Marriott chain of hotels, then this card is ideal for you. If you have an existing Marriott account, you can merge it with the new one and enjoy all exciting privileges offered by the card.