Marriott Bonvoy HDFC

Premium

HDFC Bank

Where it ranks · across all 71 cards

#10 Hotels3.2%at Marriott hotels (direct)direct#25 Dining out1.6%direct#20 Flights1.6%direct

Reward rules

Points valued at ₹0.6/pt - conservative, what rankings use

Base rate - everything not covered below

2 pts / ₹150= 1.3 pts per ₹100

0.80%

conservative value

8 Bonvoy pts/₹150 at participating Marriott properties

8 pts / ₹150= 5.3 pts per ₹100

3.20%

conservative value

capped at ₹10,00,000 Marriott spend/month (53,335 pts)

4 Bonvoy pts / ₹150 on travel, dining & entertainment

4 pts / ₹150= 2.7 pts per ₹100

1.60%

conservative value

₹5,00,000 spend/month on this tier

Base rate, but capped - these categories earn normally up to a monthly ceiling

2 Bonvoy pts / ₹150 on grocery, capped 2,000 pts/month2,000 pts/month (₹1.5L grocery spend)src ↗

₹6,00,000 / year

Free Night Award (≤15,000 pts, 12-month validity) at ₹6L

worth ≈ ₹9,000

₹9,00,000 / year

+1 FNA at ₹9L

worth ≈ ₹9,000

₹15,00,000 / year

+1 FNA at ₹15L (max 3 milestone FNAs/yr)

worth ≈ ₹9,000

⊘ Fuel earns no Bonvoy points.
⊘ Rental transactions earn nothing.
⊘ Government transactions earn nothing.
⊘ Wallet/gift/prepaid/voucher loads via MCC 6540 earn nothing (code printed by the bank).6540bank MCC list→ use SC Ultimate here (3.3%)
⊘ Online gaming earns nothing.
⊘ EMI payments earn nothing. Insurance has NO cap on this card (unique among HDFC cards, MITC-confirmed).

🛎️ Marriott Bonvoy HDFC free-night ladder
The card is mediocre per-swipe but the milestone ladder is the point: ₹6L/₹9L/₹15L anniversary spend each unlock a 15,000-pt Free Night Award, plus one on renewal - and since 2026 FNAs can be topped up with 25,000 own points to book 40k-point properties.
A 15,000-pt FNA used at a ₹18,000/night property returns ~3% incremental on the ₹6L milestone alone; three FNAs + renewal night on ₹15L spend can push total value past 4-5% (property-dependent - community valuation, not bank-printed).