This is India's only Marriott co-branded card, and its value sits in hotel nights rather than cashback. Paying the Rs 3,000 fee brings a Free Night Award worth up to 15,000 Bonvoy points, Silver Elite status and 10 Elite Night Credits, and spending Rs 6 lakh, Rs 9 lakh and Rs 15 lakh in an anniversary year adds one more Free Night Award at each level, up to 4 free nights a year in total. Everyday spends earn Bonvoy points directly, with the best rate at Marriott hotels.
The card also carries 12 domestic and 12 international lounge visits a year and 2 complimentary golf accesses per quarter. Values shown here value a Bonvoy point at roughly Rs 0.50 on hotel bookings; you can do better on expensive properties and worse on cheap ones. If your stays are not with Marriott, the points and awards will not suit you.
Annual Fee (+ 18% GST)₹3,000 (₹3,540 incl. GST)
Fee WaiverNo spend based fee waiver
Joining Perk1 Free Night Award worth up to 15,000 Marriott Bonvoy points, complimentary Marriott Bonvoy Silver Elite status and 10 Elite Night Credits on levy of the card fee
Primary Reward8 Marriott Bonvoy points per Rs 150 at hotels participating in Marriott Bonvoy, 4 points per Rs 150 on travel, dining and entertainment, and 2 points per Rs 150 on all other purchases
Airport Lounge Access12 complimentary lounge visits a year within India and 12 complimentary lounge visits a year outside India
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForMarriott loyalists who stay at Marriott hotels a few times a year and will actually use the Free Night Awards
There is no spend based waiver of the Rs 3,000 joining or renewal fee. Free Night Awards can be used only at hotels with a redemption level up to 15,000 points and are valid for 12 months. Points are not earned on fuel, wallet loads, rent, government transactions, EMI transactions and gaming spends. The card runs on the Diners Club network, and as per the bank page, contactless payments on Diners cards are accepted only on HDFC Bank POS machines in India.