Best Credit Cards to Earn Marriott Bonvoy Points
- Updated On: 24 April, 2026
Marriott Bonvoy is the hotel loyalty program of the American hospitality company Marriott International. Marriott Bonvoy points can be redeemed for hotel stays, flight tickets, car rentals, travel packages, and various other travel-related expenses. Many people enjoy earning Marriott Bonvoy points because they can save significantly on hotels, dining, lifestyle experiences, and travel benefits.
Marriott has partnered with several card issuers worldwide, allowing credit card reward points to be transferred to the Marriott Bonvoy loyalty program. In India, HDFC Bank offers a co-branded credit card with Marriott. It was the first hotel co-branded credit card in the country, followed later by the HSBC Taj Credit Card.
Other than HDFC Bank, American Express is one of the key card issuers that has partnered with Marriott for reward point transfers. Reward points earned on these credit cards can be converted into Marriott Bonvoy points at a fixed ratio. Notably, most American Express cardholders prefer transferring their Membership Rewards points to Marriott, largely due to the attractive 1:1 conversion ratio.
List of Credit Cards for Marriott Bonvoy India
With a large number of credit cards issued by different card issuers in India, you may find some difficulties in filtering out all the credit cards that can earn you Marriott Bonvoy Points. Not only this, but it is also equally important to compare them on the basis of all their features and fees & charges so that you can choose the one that seems to be the most suitable for your requirements. In this article, you can find the list of the best credit cards to earn Marriott Bonvoy Points and all their detailed benefits:

- Joining Fee₹3,000 + GST (~₹3,540)
- Annual Fee₹3,000 + GST (~₹3,540)
- Best Suited ForTravel | Shopping | Stays
- Rewards TypeReward Points
Rewards Rate
8 Marriott Bonvoy Points/₹150 for Spends at Marriott Hotels, 4 Marriott Bonvoy Points/₹150 for Travel, Dining, and Entertainment, and 2 Marriott Bonvoy Points/₹150 for Other Spends
Welcome Benefits
Silver Elite Status in the Marriott Bonvoy Program and One Free Night Award Worth 15,000 Marriott Bonvoy Points
Card Details +
The Marriott Bonvoy HDFC Bank credit card is the first hotel co-branded card in India and comes at a joining and annual fee of ₹3,000 plus taxes. As a welcome benefit, the card offers a Free Night Award valid for 1-year, complimentary Silver Elite Status, and up to 10 Elite Night Credits every year to the cardholder. Upon reaching the target spending milestone, you can earn up to 3 more free night awards. The card offers complimentary domestic and international lounge access, complimentary golf rounds, and insurance benefits.
On the basis of your spends, you can earn 8 Marriott Bonvoy points per ₹150 on Marriott hotels, 4 points per ₹150 on travel, entertainment, and dining, and 2 points per ₹150 on other spends.
HSBC TravelOne Credit Card

- Joining Fee₹4,999 + GST
- Annual Fee₹4,999 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Welcome Benefits
₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹10,000 Within 30 Days of Card Issuance
Card Details +
The HSBC TravelOne Credit Card is a strong option for those looking to transfer reward points to Marriott Bonvoy, as it offers a straightforward 1:1 conversion ratio. With a good base reward rate and multiple travel-focused benefits, cardholders can easily earn and convert points into Marriott stays, making it a reliable choice for hotel loyalty users.

- Joining Fee₹1,000 + GST
- Annual Fee₹4,500 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1 Membership Rewards Point/₹50 Spent, Excluding Fuel, Utility, and Insurance. Earn Up to 2,000 Bonus MR Points on Achieving Monthly Milestone Spends
Welcome Benefits
4,000 Bonus Membership Reward Points on Spending of ₹15,000 Within the First 90 Days of Card Issuance
Card Details +
The American Express Membership Rewards Credit Card is a mid-level credit card by American Express. The card comes with a joining fee of ₹1,000, while a membership fee of ₹4,500 is payable from the second year onwards. You get many add-on benefits with the card, including complimentary gift vouchers from big names like Amazon, Taj, Tanishq, etc., discounts on dining bills, spend-based renewal fee waivers, etc., with the American Express Membership Rewards Credit Card.
The American Express Membership Rewards Credit Card earns you 1 Membership Rewards Point for every Rs. 50 spent with the card. The Membership Rewards Points earned on the AmEx Membership Rewards Credit Card can be converted into Marriott Bonvoy Points with a conversion ratio of 1:1, i.e., 1 Membership Rewards Point = 1 Marriott Bonvoy Point.

- Joining Fee₹5,000 + GST
- Annual Fee₹5,000 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Membership Rewards Point/₹50 spent
Welcome Benefits
10,000 Membership Rewards Points
Card Details +
The American Express Platinum Travel Credit Card is a premium travel card by American Express. The card comes with a membership fee of ₹5,000 + GST per annum. As a travel credit card, it offers many travel benefits to customers, including complimentary (limited) domestic and international airport lounge access and gift vouchers from premium hotel chains such as Taj, SeleQtions, and Vivanta upon achieving the stipulated spend-based milestone of ₹7 lakh.
American Express Platinum Travel Credit Card earns you 1 Membership Rewards Point per ₹50 spent with the card (just like the Gold Credit Card) and accelerated 3X Membership Rewards Points on the Reward Multiplier portal. Like other AmEx cards, the Membership Rewards Points earned on the Platinum Travel Credit Card can be transferred to the Marriott Bonvoy loyalty program. 1 Membership Rewards Point = 1 Marriott Bonvoy Point (conversion ratio of 1:1).
Features and Benefits
You generally get Marriott Points by converting your regular credit card points to the Bonvoy program. These cards not only offer reward points but also many other privileges when you use them. All its features are mentioned below:
- Reward Rate: Almost all credit cards nowadays offer decent reward rates to cardholders on all their spending. These reward rates can differ across cards, and conversion rates may vary accordingly. Moreover, the number of rewards can also differ for different categories with different cards.
- Travel Benefits: In addition to the travel deals you can avail yourself of using Marriott Points, some of these cards also offer additional travel privileges, such as complimentary lounge access, discounts on flight bookings across several airlines, and more.
- Dining Benefits: The cards mentioned above offer cardholders a range of dining benefits.
- Other Benefits: These cards offer many other advantages, including a fuel surcharge waiver, a spend-based waiver of the renewal fee, several short—and long-term offers, and more.
Reward Points
We have summarized the Reward Points earning rate and effective reward rate of the various credit cards in the table below-
| Credit Card | Reward Points Earning Rate | Points Conversion |
| Marriott Bonvoy HDFC Bank Credit Card | 8 Marriott Bonvoy Points/₹150 for Spends at Marriott Hotels, 4 Marriott Bonvoy Points/₹150 for Travel, Dining, and Entertainment, and 2 Marriott Bonvoy Points/₹150 for Other Spends | N/A |
| HSBC TravelOne Credit Card | 4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends | 1 Membership Rewards Point = 1 Marriott Bonvoy Point |
| American Express Platinum Travel Credit Card | 1 Reward Point/₹50 | 1 Membership Rewards Point = 1 Marriott Bonvoy Point |
| American Express Membership Rewards Credit Card | 1 Reward Point/₹50 | 1 Membership Rewards Point = 1 Marriott Bonvoy Point |
Marriott Bonvoy Membership Tiers and Benefits
The Marriott Bonvoy program is free to join, and you receive a free basic membership upon joining. There are six membership levels in the Marriott Bonvoy program, and the higher your membership tier, the more benefits and perks you get.
Basic Membership
When you sign up for the Marriott Bonvoy program, you automatically get the basic membership, and it is worth signing up even if you do not use it regularly. With this membership, you get lower hotel prices, phone check-in, and complimentary in-room internet. You do not need to stay at Marriott hotels to get the basic membership; it is free for members.
Silver Elite Status
In order to qualify for the Silver Elite status, you must stay for a minimum of 10 nights at Marriott hotels in a calendar year. With this tier status, you get all the benefits of the Basic Membership and –
- 10% bonus points on hotel room purchases that include room rates and other charges like spa, dining, etc.
- Priority late checkout so that you can sleep in longer
- Get exclusive member room rates and complimentary Internet access in your room when you make the booking through the Marriott app or website.
Gold Elite Status
In order to qualify for the Gold Elite status, you must stay for a minimum of 25 nights at Marriott hotels in a calendar year. With this tier status, you get all the benefits of the Silver Elite tier and –
- 25% bonus points on hotel room purchases that include room rates and other charges like spa, dining, etc.
- Enhanced room upgrades so that you get the room in the best possible condition when you arrive
- Get the checkout time as late as 2 PM so that you can spend more time relaxing and doing what you want.
Platinum Elite Status
In order to qualify for the Platinum Elite status, you must stay for a minimum of 50 nights at Marriott hotels in a calendar year. With this tier status, you get all the benefits of the Gold Elite status and –
- 50% bonus points on hotel room purchases that include room rate and other charges like spa, dining, etc.
- Enhanced room upgrades, including in Select Suites, so that you get the room in the best possible condition when you arrive.
- You can choose a welcome gift, including breakfast, points, or other amenities.
Titanium Elite Status
In order to qualify for the Titanium Elite status, you must stay for a minimum of 75 nights at Marriott hotels in a calendar year. With this tier status, you get all the benefits of the Platinum Elite status and –
- 75% bonus points on hotel room purchases that include room rates and other charges like spa, dining, etc.
- Enhanced room upgrades, including in Select Suites, so that you get the room in the best possible condition when you arrive.
- You can choose a welcome gift of your choice, including breakfast, points, or other amenities.
Ambassador Elite Status
In order to qualify for the Titanium Elite status, you must stay for a minimum of 100+ nights at Marriott hotels and make qualifying spends of over $23,000 in a calendar year. With this tier status, you get all the benefits of the Titanium Elite status and –
- Get dedicated personal Ambassadors who will assist you along with the Anytime Ambassador team.
- 75% bonus points on hotel room purchases that include room rates and other charges like spa, dining, etc.
- With the Your24 facility, you can choose the 24 hours of your hotel stay as you wish. You can check in and check out at any time you like.
How to earn Marriott Bonvoy Rewards Points?
There are a few ways in which you can earn Marriott Bonvoy Points, which will be very beneficial for you if you frequently spend on hotel stays, dining, travel, etc. You can earn Marriott Points by:
- Staying at Marriott Hotels: When you stay at Marriott Hotels, you earn a certain number of Marriott Points for every US dollar you spend. Not only for hotel room bookings, but you also get Marriott Bonvoy Points for every purchase you make there, including dining, golf sessions, spas, food & beverages, etc. You can get up to 10 Marriott Points per US $1 on participating golf resorts and spas.
- Convert Your Credit Card Reward Points: You can convert your select American Express and Axis Bank credit card reward points to Marriott points. The points can be used for any hotel category, but you should check out your credit card’s reward conversion ratio and make sure it is beneficial to convert your card points to Marriott Bonvoy points.
- Spend on Partner Brands: You can also earn Marriott Points on spending on Marriott partner brands, including Edition, Westin, Aloft hotels, Le Meridien, and a lot more.
How to Redeem Marriott Bonvoy Reward Points?
Once you earn Marriott Bonvoy points, the next thing is to put them to use and avail of benefits from them. There are multiple ways to use your Marriot Bonvoy Points for Hotel Stays –
Redeem Marriott Points for Hotel Nights
The easiest and most convenient way to redeem or use your Marriott Bonoy points is to book free hotel night stays, room upgrades, etc., at over 6500+ Marriott hotel properties globally. You have three options to use your reward points for free or discounted hotel stays –
Use only Points
You can redeem your reward points or awards to avail free or discounted stays at any Marriott resort or hotel around the world. Here is how to do it.
- In the hotel search box, click on ‘Use Points/Awards, and search for your destination at your preferred dates.
- Out of the available options, choose the hotel where you wish to stay.
- The available room types along with the points required to book each one of them will be on the screen. Choose the room type you want to book.
- Go through the reservation details carefully. If there is a free award night available, it will be already selected for you.
- Book a discounted or free hotel stay for the night with your points.
Book with Cash + Points
- Again, click on the ‘Use Points/Awards’ and search for hotels at your preferred destination and date.
- Click on ‘View Rates’ next to the hotel you want to stay at.
- You will see the ‘Cash + Points’ option if it is available for that particular hotel.
- Book your hotel stay with Cash + Points.
Use PointSavers
To get the most affordable and convenient deal, you can opt for Pointsavers and save as many points you can across the best destinations and vacation sports around the globe. You must have an open schedule for this as you will have to choose ‘Flexible Dates’, and look out for the best deals in the calendar view.
- Click on ‘Use Points/Awards’ and search hotels for your travel destination.
- You will see the discounted prices for hotels if there are any available.
- Book with PointSavers.
While booking your stay at Marriott Hotels, if you are low on points and need some more, you can purchase them. You can buy a maximum of 100,000 reward points per year for your personal use or for a family member of yours.
Transfer Points to AirMiles
It is possible to transfer your Marriott Bonvoy reward points to partner airlines’ frequent flyer loyalty program miles at fixed conversion ratios. You will be surprised to see the number of partner airlines and the miles you can get through Marriott points. Different airline partners have different rates for points conversion, so make sure to check this out before converting points to Airmiles.
For all partner airline transfers, you will get a bonus of 5,000 Miles when you transfer 60,000 Marriott Points to the airline’s frequent flyer program miles, except for Korean Air SKYPASS, Delta Skymiles, Avianca LifeMiles, and American Airlines Advantage.
Here are other popular airline partners and the points conversion ratio for them from Marriott –
- Air Canada Aeroplan – 3:1
- AEGEAN Miles+Bonus – 3:1
- Air New Zealand AirPoint – 200:1
- Avianca LifeMiles – 3:1
- British Airways– 3:1
- Delta SkyMiles – 3:1
- Emirates Skywards – 3:1
- Etihad Guest – 3:1
- Japan Airlines JAL Mileage Bank – 3:1
- Qantas Frequent Flyer – 3:1
- Qatar Airways Privilege Club – 3:1
- Thai Airways Royal Orchid Plus – 3:1
- Turkish Airlines Miles&Smiles – 3:1
- United MileagePlus – 3:1
These are the most popular airline partners to which you can transfer your Marriott Bonvoy reward points Make sure to check out the conversion ratio and all other terms and conditions before you proceed with converting your reward points to Airmiles.
Marriott has an exclusive partnership with the United MileagePlus loyalty program, where you get a bonus of 10,000 miles when you transfer 60,000 Marriott points to United miles. This is one of the many benefits offered by the partnership between United MileagePlus and Marriott Bonvoy. Although the best reward rate from your points is when you book a hotel stay or vacation home, miles transfer to airline partners is also a great choice for frequent travelers.
Other Ways to Redeem Marriott Bonvoy Points
- Use points to book flights, cruises, car rentals, etc.
- Use points for concerts, dining, and sports experiences.
- Use points for Marriott Bonvoy moments
Marriott Bonvoy Customer Service
In case of any doubts/queries/complaints, you can contact Marriott customer care easily via the mobile app or by logging in to your website on the Marriott website. You can get your doubts clarified through a call, mail, or chat as per your comfort. However, if you are unable to find any of the ways to contact them, you can visit this page, enter the required details, explain your concern and submit.
Transfer Marriott Bonvoy Points to Others
It is possible to transfer Marriott Bonvoy points to another member’s account, and you can do it through the Points Transfer tool. In order to complete the transfer, you will need the recipient’s Marriott Bonvoy Name and Number exactly as it is in their account. You must transfer a minimum of 1000 Marriott Bonvoy points, and the transfer must be made in increments of 1000.
You can transfer a maximum of 100,000 Points to another member in a calendar year, and a member can receive a maximum 500,000 Points per year from other accounts. There is no fee charged to transfer Marriott Bonvoy points to other accounts, but make sure to enter all details and information correctly, otherwise an error message will show up.
Bottom Line
Marriott is one of the most recognizable and prestigious hotel chains around the world. It has more than 5,000 properties at some of the best tourist and vacation destinations, which millions of people visit every year. If you frequently stay at Marriott hotels, then you should certainly sign up for Marriott Bonvoy, the hotel chain’s loyalty program.
Just like earning, there are a host of ways to redeem your Marriott reward points, with discounted or free hotel stays being the best option. Apart from hotel stays, you can redeem your points for partner airline’s miles transfer, dining, sports, and concert events, and exclusive Marriott Bonvoy moments.
In the comments, please let us know what you think of Marriott’s loyalty program, Marriott Bonvoy, and how you plan on using your reward points.
FAQs:
Which credit card issuer(s) allow the transfer of reward points to the Marriott Bonvoy Loyalty Program?
American Express, HSBC, and HDFC are some of the credit card issuer in India that allows the transfer of Membership Rewards Points to the Marriott Bonvoy Loyalty Program.
Are Membership Rewards Points earned on all of American Express Credit Cards transferable to the Marriott Bonvoy loyalty program?
Yes, the Membership Rewards Points earned on any of the American Express Credit Cards can be transferred to the Marriott Bonvoy loyalty program.
What is the conversion ratio of American Express Membership Rewards Points into Marriott Bonvoy Points? Is it the same for all American Express credit cards?
The conversion ratio of American Express Membership Rewards Points into Marriott Bonvoy Points is 1:1, i.e., 1 Membership Rewards Point = 1 Marriott Bonvoy Point. The conversion ratio is the same for all American Express credit cards.
What is the reward rate of American Express credit cards in terms of the transfer of Membership Rewards Points to the Marriott Bonvoy loyalty program?
The reward rate of the American Express Platinum Credit Card in terms of transfer of Membership Rewards Points to the Marriott Bonvoy loyalty program is 2.5%; for all other American Express credit cards, the reward rate is 2% (in terms of redemption of the Membership Rewards Points for Marriott Bonvoy Points).
How can I redeem the Marriott Bonvoy Points earned on my American Express credit card?
The Membership Rewards Points earned on American Express credit cards can be redeemed for various travel-related spends including hotel reservations, flight tickets, car rentals, and travel packages.
Do Marriott Bonvoy points expire?
The Marriott Bonvoy points expire if your account remains inactive for more than 24 consecutive months.
Are Marriott Bonvoy points worth it?
Yes, Marriott Bonvoy points are highly valuable for frequent spenders in lifestyle categories such as dining, travel, hotel stays, and shopping. These points will help you reduce spending in these categories, as you can use them there.
















