HDFC Marriott Bonvoy Credit Card Detailed Review

HDFC Bank ne haal hi mein Bharat mein sabse zyada charchit (HDFC Marriott Bonvoy Credit Card) aur besabri se intezaar kiye jaane waale Marriott Bonvoy cobranded credit card launch kiya hai. Yeh duniya ke ek prasiddh hotel chain dwara Bharat mein pehli baar launch ki gayi credit card hai. Yeh card Diners Club platform par uplabdh hai.

Charges aur Welcome Benefits:

Joining Fees: ₹3000 + GST

Welcome Benefits:

  1. 1 Free Award Night (jo 15,000 Marriott Bonvoy points ke takhmeenay ke liye hoti hai)
  2. 10 Elite Night Credits (ENCs) Marriott Bonvoy Program ke tahat
  3. Muft Marriott Bonvoy Silver Elite Status

Renewal Fees: ₹3000 + GST

Renewal Benefits:

  • 1 Free Award Night (jo 15,000 Marriott Bonvoy points ke takhmeenay ke liye hoti hai)

Renewal Fee Waiver: NIL

Is card ki welcome benefit asaanise ₹7,500 ke kam se kam ke barabar hai, jo ki di gayi fees se bahut zyada hai. Apne Joining Fee ya Annual Membership Fee bharkar, ya phir jo bhi zaruri kharcha kiya gaya hai, uske baad, apne Marriott Bonvoy Member Account mein apne Free Night Award ko automatic taur par prapt hone mein up to 12 hafton ki deri hone dijiye.

Reward Points Accrual

Spends AreaEarn RateMonthly Capping
All retail spends*2 Marriott Bonvoy Points per ₹150 spentNIL
Travel, Dining, and Entertainment4 Marriott Bonvoy Points per ₹150 spent53335 Marriott Bonvoy Points (monthly spends threshold of ₹10,00,000)
Marriott Hotels8 Marriott Bonvoy Points per ₹150 spent13335 Marriott Bonvoy Points (monthly spends threshold of ₹5,00,000)

*Fuel, Rental Payments, Packers and Movers, Government Transactions, Wallet loads, and Easy EMI transactions are not eligible for earning Marriott Bonvoy Points.

The points will be added to your Marriott Bonvoy account within 3 months of generating the bill. The maximum eligible spend for earning Marriott Bonvoy Points on grocery store purchases (i.e., 2 Marriott Bonvoy Points per ₹150) is capped at INR 1,50,000 per month (meaning a maximum of 2000 Marriott Bonvoy Points can be earned on grocery spends each month).

Reward Points Redemption:
Marriott Bonvoy ke liye, hum ek MB point ki kimat ko lagbhag 50 paise ke aspaas maan sakte hain, lekin kuch kshetron aur properties mein aapko Re 1 se zyada mil sakta hai.

Spends AreaReward Rate
All retail spends*0.66%
Travel, Dining and Entertainment1.33%
Marriott Hotels2.66%

Milestone Benefits:

  • ₹6 lakhs ke Eligible Spend par 1 Free Night Award in an Anniversary Year
  • ₹9 lakhs ke Eligible Spend par 1 Free Night Award in an Anniversary Year
  • ₹15 lakhs ke Eligible Spend par 1 Free Night Award in an Anniversary Year

Har Free Night Award 12 mahine tak valid hota hai aur ise 15,000 Marriott Bonvoy Points ke redemption level par participating Marriott Bonvoy hotels mein ek raat ki stay ke liye redeem kiya ja sakta hai.

HDFC Marriott Bonvoy Credit Card Other Benefits:

Airport Lounge Access

Access Via – Credit Card

Muft Domestic Limit – 12 Visits/ Calendar year India mein

Network – Diners Club India

Access Via – Credit Card

Muft International Limit – 12 Visits/ Calendar year lounges outside India.

Golf Access

Har quarter mein select golf courses in India mein 2 Muft golf lessons.

Har quarter mein select premium golf courses in India aur internationally mein 2 Muft Golf course access.

Fuel Surcharge Waiver

Is card par koi fuel surcharge waiver nahi hota.

Insurance Coverage

  • Checked-in baggage delay or loss cover up to $250
  • Travel documents loss cover up to $250
  • Flight delay cover up to $250
  • Air accidental cover up to $12,500
  • Emergency medical expenses up to $18,750
  • Credit shield up to ₹100,000
  • Loss liability cover up to ₹100,000

Concierge Services

Marriott Bonvoy HDFC Bank Credit Card par exclusive Concierge Services ka aanand uthaiye. Customers 9 a.m.-9 p.m. ke beech concierge number se connect kar sakte hain.
Toll Free: 18003093100
Email: support@marriotthdfcbank.com

Forex Markup Charges

FCY Markup Fee: 3.5%+GST

Reward Rate: 0.66%

Net: –3.5% (loss)

Eligibility:

Officially bank ke paas neeche diye gaye criteria hain, lekin yeh aapke bank ke saath rishte ke anusar alag ho sakta hai.

Salaried Indian national ke liye:

  • Age: Min 21 years & Max 60 Years
  • Net Monthly Income > ₹1 Lakh

Self Employed Indian national ke liye:

  • Age: Min 21 years & Max 65 Years
  • ITR > ₹15 Lakhs per annum.

Conclusion

Is card ke beech-mediocre features ye suggest karte hain ki Marriott naye customers ko attract karne ki koshish kar raha hai ya phir un logon ko jo Marriott properties mein rehte hain lekin unki loyalty programme Marriott Bonvoy mein nahi hain. Main bhi ummid kar raha hoon ki HDFC Bank ya ICICI Bank jald hi ek zyada premium card launch karenge. Yeh card rakhne layak hai kyunki joining fee ko joining benefits achhe se compensate kar deti hai, chahe aap is par kharcha kyun na karen

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