How to Apply for Marriott Bonvoy Credit Card with HDFC Bank 2023

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HDFC Bank Marriott Bonvoy Credit Card

Marriott Bonvoy is Marriott International’s award-winning loyalty program that allows members to earn and redeem points across a portfolio of 30 brands including Marriott, Ritz-Carlton, Sheraton, and more. The program offers a range of benefits from free nights to room upgrades, exclusive experiences, and more. One of the best ways to maximize Marriott Bonvoy rewards is by getting a co-branded Marriott Bonvoy credit card.

In India, HDFC Bank offers a Marriott Bonvoy credit card that provides accelerated earnings and elite status along with other attractive benefits. Here is an in-depth look at how you can apply for the HDFC Bank Marriott Bonvoy Credit Card and leverage it to make the most of the Marriott Bonvoy program.

HDFC Bank Marriott Bonvoy Credit Card

Features and Benefits

The key features and benefits of the HDFC Bank Marriott Bonvoy Credit Card include:

  • Earn 15 Bonvoy points for every ₹100 spent on the card globally except on fuel
  • Complimentary Silver Elite Status which gives members exclusive benefits like late checkout and priority for room upgrades
  • 5 Bonvoy points for every ₹100 spent on dining, grocery, and fuel
  • 20 Bonvoy points per ₹100 spent at Marriott hotels across the globe
  • Earn 1 Bonvoy point for every ₹45 spent on the card
  • No foreign transaction fees on international purchases
  • Lost card liability covers for ₹1 lakh
  • Milestone benefits– 40,000 bonus points on spending ₹6 lakhs in a year

Fees

There are certain fees applicable for the HDFC Bank Marriott Bonvoy Credit Card:

  • Joining fee– ₹1,000 + GST
  • Annual fee– ₹1,000 + GST
  • Renewal fee– ₹1,000 + GST
  • Cash advance fee– 2.5% of the withdrawn amount (minimum ₹500)
  • Late payment fee– Up to 40% of the minimum due amount (subject to a minimum of ₹400 and a maximum of ₹1,500 + taxes)

Eligibility Criteria

To be eligible for the HDFC Bank Marriott Bonvoy Credit Card, you must meet the following criteria:

  • Age between 21 to 65 years
  • Salaried – Minimum gross monthly income >₹25,000
  • Self-employed – Minimum income tax return >₹3 lakhs
  • Existing HDFC Bank customers may be eligible with lower-income
  • Strong credit score and credit history

Step-by-Step Guide to Applying

Here is the step-by-step process to apply for the HDFC Bank Marriott Bonvoy Credit Card:

Online Application Process

  1. Go to the HDFC Bank website and click on “Apply Now” under the Marriott Bonvoy Credit Card section.
  2. You will be redirected to an application form. Fill in the required details like name, date of birth, contact information, etc.
  3. Enter your total work experience, job details, and income details. This is required to determine your eligibility.
  4. Fill in the existing loans and credit cards section. Make sure to provide accurate details.
  5. Enter the documentation details. You need to provide identity proof, address proof, and income proof documents.
  6. Read through the terms and conditions and provide digital approval for terms acceptance.
  7. Click on the “Submit” button once you have filled in all the details accurately.

Documents Required

You need to have the following documents ready for uploading during the online application process:

  • Identity proof – PAN Card or Aadhaar Card is accepted
  • Address proof – Passport, Aadhaar, Voter ID or Driving License
  • Income proof – 3 months’ salary slips and bank statements or Form 16 and ITR
  • Passport size photograph

Application Form Details

Some key details required in the application form include:

  • Personal details – name, date of birth, gender, marital status
  • Contact information – phone numbers, email address, residential address
  • Employment details – company name, designation, work experience
  • Income details – monthly salary, annual income, other income
  • Existing loans and credit cards – loan type, amount, tenor, EMI
  • Documents for KYC – identity, address, and income proofs

After Approval

Once your application is approved, here are the next steps:

Activating and Using the Credit Card

  • You will receive a welcome kit with the credit card and PIN within 7 days
  • Call the activation number and set the 4-digit ATM PIN
  • Start using the credit card for purchases online and offline
  • Set up standing instructions for bill payments via net banking or the app

Managing Your Credit Card Account

  • Login to your account on the HDFC Bank net banking portal
  • View statements online to track spending, cashback earned, bills, etc.
  • Set reminders for bill payment due dates via email or SMS
  • Prepay bills online through net banking or the app to avoid interest charges
  • Report lost card and request replacement directly on the portal

Maximizing Rewards

To optimize your earnings and redemptions on the HDFC Bank Marriott Bonvoy Credit Card, follow these tips:

Earning Points

  • Use the card for everyday spending like groceries, bill payments, etc.
  • Make the card your preferred mode for dining, online shopping, and utility bills
  • Book directly on Marriott for 20x rewards on stays, room upgrades, spas, etc.
  • Refer friends and family and earn 5,000 bonus points per approved referral

Redeeming Points

  • Use the Pay With Points option during hotel booking for room redemptions
  • Transfer Bonvoy points to frequent flyer programs for flight tickets
  • Redeem for exclusive experiences, events, and adventures outlined in the Rewards Catalog
  • Combine points with cash to redeem for Marriott stays through Points Advance

Credit Card Offers and Deals

  • Look out for additional bonus point offers on occasion like member anniversaries
  • Take advantage of periodic promotions and accelerated earnings categories
  • Check the ‘My Offers’ section for personalized deals on the Marriott Bonvoy app

Alternative Cards

Here are some alternatives you can consider apart from the HDFC Bank Marriott Bonvoy Credit Card:

Other Marriott Bonvoy Credit Cards

  • American Express Marriott Bonvoy Credit Card
  • Axis Bank M Live Credit Card
  • ICICI Bank Marriott Bonvoy Credit Card
  • SBI Card ELITE Credit Card

HDFC Bank Credit Card Options

  • HDFC Bank Diners Black Credit Card
  • HDFC Bank Millennia Credit Card
  • HDFC Bank Moneyback Credit Card
  • HDFC Bank Regalia First Credit Card

Each card has its own reward structure, fees, and eligibility criteria that you should evaluate before applying.

Conclusion

The HDFC Bank Marriott Bonvoy Credit Card is a lucrative option for frequent Marriott guests who wish to earn rewards on stays along with benefits like elite status. The simple online application process, accelerated earnings on Marriott spends, and milestone bonus points make it a rewarding pick. Use the card smartly by spending across categories, watching out for offers, and redeeming judiciously for maximum value. Consider aspects like fees, charges, credit limit, and your eligibility before applying online for the HDFC Bank Marriott Bonvoy Credit Card.

FAQs

Q1. How can I check my application status for the HDFC Bank Marriott Bonvoy Credit Card?

You can check your application status by calling the HDFC Bank credit card helpline. You will need to provide your application reference number.

Q2. What is the credit card limit I can get on the HDFC Bank Marriott Bonvoy Credit Card?

The credit limit is determined based on your eligibility criteria and can range from ₹1 lakh to ₹10 lakhs or more. The limit can also be increased later based on your usage and repayment history.

Q3. How do I make my credit card payment for the HDFC Bank Marriott Bonvoy Credit Card?

You can pay your credit card bill on the net banking portal, the bank’s mobile app, via Drop boxes, or by setting up auto-debit for bill payments. The minimum due amount needs to be paid by the due date to avoid late payment fees.

Q4. What is the Marriott Bonvoy points expiry policy?

Marriott Bonvoy points expire after 24 months of account inactivity. But you can easily keep your points active by earning or redeeming points at least once in 24 months.

Q5. Can I transfer Marriott Bonvoy points to other loyalty programs?

Yes, you can transfer Bonvoy points to over 40 airline partners like Emirates Skywards, Lufthansa Miles and More, Delta Skymiles, Air Canada Aeroplan, etc. The transfer ratio varies across airlines.

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