{
  "id": "hdfc-marriott-bonvoy-credit-card",
  "locale": "en",
  "name": "HDFC Marriott Bonvoy Credit Card",
  "bank": "HDFC Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹3,000 + GST",
  "loungeAccess": "12 Domestic Airport Lounges/yr + 12 International Lounges (Priority Pass)",
  "rewardsRate": "8 Bonvoy pts / ₹150 at Marriott · 4 pts / ₹150 on Dining/Travel · 2 pts Base",
  "bestFor": "Marriott hotel stays, luxury hospitality, Free Night Awards & 24 airport lounge visits",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card",
  "aiVerdict": {
    "score": 4.7,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹3000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.33,
  "affiliateId": "hdfc-marriott-bonvoy-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Marriott Bonvoy Credit Card schedule of charges",
    "Marriott Bonvoy global loyalty program Free Night Award & point terms"
  ],
  "feeWaiver": "1 Complimentary Free Night Award on annual renewal",
  "networks": [
    "Diners Club",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Marriott Stays",
      "value": "8 Bonvoy pts / ₹150 (5.33%)"
    },
    {
      "key": "Dining & Travel",
      "value": "4 Bonvoy pts / ₹150 (2.67%)"
    },
    {
      "key": "Free Night Award",
      "value": "1 Free Night / yr (15k pts)"
    },
    {
      "key": "Elite Status",
      "value": "Marriott Silver Elite"
    },
    {
      "key": "Airport Lounges",
      "value": "24 / yr (12 Dom + 12 Intl)"
    },
    {
      "key": "Annual Fee",
      "value": "₹3,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Participating Marriott Hotels & Resorts",
      "rate": "8 Bonvoy pts / ₹150 (5.33%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,333 Bonvoy pts"
    },
    {
      "category": "Dining, Travel & Entertainment",
      "rate": "4 Bonvoy pts / ₹150 (2.67%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,666 Bonvoy pts"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Bonvoy pts / ₹150 (1.33%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 Bonvoy pts"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Free Night Award",
      "multiplier": "Annual Perk",
      "rate": "Up to 15k pts",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "1 night hotel stay."
    },
    {
      "channel": "Marriott Spends",
      "multiplier": "8 pts / ₹150",
      "rate": "5.33%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "On Marriott properties."
    },
    {
      "channel": "Airport Lounges",
      "multiplier": "24 / year",
      "rate": "12 Dom + 12 Intl",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "Domestic + Priority Pass."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Marriott Global Hotel Free Night Stays",
      "value": "1 Bonvoy Point = ~₹0.75",
      "minPoints": "5,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Airline Miles Partner Transfers (3:1 ratio)",
      "value": "3 Bonvoy pts = 1 Air Mile",
      "minPoints": "3,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹3,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹3,000 + GST (Offset with 1 Free Night Award)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1,00,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}