HDFC Bank and Marriott International have introduced a co-branded credit card in the Diner's Club variant. Let's explore the details:
Charges:
Rs. 3000 + GST Per Year
Welcome Benefits:
1. As a welcome gift and upon Card renewal, receive 1 Free Night Award (valued at up to 15,000 points) valid for one year at hotels participating in Marriott Bonvoy around the world.
Upon opening an Account and receipt of your payment of the Joining Fee and each subsequent year upon the receipt of your payment of the Annual Membership Fee, , the Primary Cardmember will receive one Free Night Award (valid for 12 months) with a redemption level up to 15,000 Points.
Please allow up to 12 weeks after paying the Joining Fee or Annual Membership Fee, or fulfilling the relevant spending thresholds, for your Free Night Award to be automatically deposited into your Marriott Bonvoy Member Account.
2. Receive complimentary Marriott Bonvoy Silver Elite Status and 10 Elite Night Credits per every year.
10 Elite Night Credits will be credited to your Marriott Bonvoy Member Account within 60 days after receipt of your payment of the Joining Fee.
Airport Lounge Access:
Get 12 domestic and 12 international lounge access per year.
Golf Benefits:
Play 2 Free Golf Round Per Quarter.
REWARD SYSTEM:
- Earn 8 Marriott Bonvoy points on eligible purchases at hotels participating in Marriott Bonvoy [Reward Rate: 5.33% MB Points]
*Condition: Maximum Eligible Spends for Marriott Bonvoy Points earned at participating Marriott Bonvoy hotels (i.e., 8 Marriott Bonvoy Points per ₹150) is capped at a monthly spends threshold of INR 10,00,000. Maximum of 53335 Marriott Bonvoy Points could be earned under this category on a monthly basis.
- Earn 4 Marriott Bonvoy points on eligible purchases on travel, dining, and entertainment. [Reward Rate: 2.67% MB Points]
*Condition: Maximum Eligible Spends for Marriott Bonvoy Points earned on Travel, Dining and Entertainment (i.e., 4 Marriott Bonvoy Points per ₹150) is capped at a monthly spend threshold of INR 5,00,000. Maximum of 13335 Marriott Bonvoy Points could be earned on Travel, Dining and Entertainment on a monthly basis.
- Earn 2 Marriott Bonvoy points on all other eligible purchases. [Reward Rate: 1.33% MB Points]
*Condition: Maximum Eligible Spend for earning of Marriott Bonvoy Points on grocery store spend (i.e., 2 Marriott Bonvoy Points per ₹150) will be capped at spends of INR 1,50,000 per month (i.e., maximum 2000 Marriott Bonvoy Points could be earned on grocery spends per month).
Excluded Categories: EMI payments • Fuel payments • Wallet loading transactions / gift or prepaid card loading transactions / voucher purchases • Cash advances • Payment of outstanding balances • Payment of fees and other charges for any card • Government related transactions • Rental transactions •
MB Point Transfer To Marriott Bonvoy Account:
Marriott Bonvoy Points earned during a Credit Card billing cycle will be automatically transferred to the Primary Cardmember’s Marriott Bonvoy Member Account after the end of each Credit Card billing cycle. Please allow up to 12 weeks following the Credit Card billing cycle for Points to be added to the Primary Cardmember’s Marriott Bonvoy Member Account.
MILESTONE BENEFITS:
Earn 1 Free Night Award (valued up to 15,000 points) when you reach these spend thresholds with your Card within Card anniversary year.
- INR 6 lakh
- INR 9 lakh
- INR 15 lakh
You can apply for the card here: https://bit.ly/TFMarriott
TechnoFino Opinion:
This credit card, jointly offered by HDFC Bank and Marriott International, is quite basic. The earning rate isn't particularly impressive, with numerous excluded categories where you won't earn rewards. The free night award can only be redeemed for room rates of up to 15k points or less, which is quite disappointing. Additionally, you can't combine award night bookings with cash, but you do have the option to redeem or purchase up to 15,000 additional Marriott Bonvoy Points to enhance the value of your free award night, which is a positive aspect in my view. It would have been better if they had offered a free night award of up to 30k points at the least.
Overall, this card falls into the average category. The reward system is intricate, and despite reasonable caps, I would personally prefer a simpler card. Personally, I'll be avoiding this credit card.
Charges:
Rs. 3000 + GST Per Year
Welcome Benefits:
1. As a welcome gift and upon Card renewal, receive 1 Free Night Award (valued at up to 15,000 points) valid for one year at hotels participating in Marriott Bonvoy around the world.
Upon opening an Account and receipt of your payment of the Joining Fee and each subsequent year upon the receipt of your payment of the Annual Membership Fee, , the Primary Cardmember will receive one Free Night Award (valid for 12 months) with a redemption level up to 15,000 Points.
Please allow up to 12 weeks after paying the Joining Fee or Annual Membership Fee, or fulfilling the relevant spending thresholds, for your Free Night Award to be automatically deposited into your Marriott Bonvoy Member Account.
2. Receive complimentary Marriott Bonvoy Silver Elite Status and 10 Elite Night Credits per every year.
10 Elite Night Credits will be credited to your Marriott Bonvoy Member Account within 60 days after receipt of your payment of the Joining Fee.
Airport Lounge Access:
Get 12 domestic and 12 international lounge access per year.
Golf Benefits:
Play 2 Free Golf Round Per Quarter.
REWARD SYSTEM:
- Earn 8 Marriott Bonvoy points on eligible purchases at hotels participating in Marriott Bonvoy [Reward Rate: 5.33% MB Points]
*Condition: Maximum Eligible Spends for Marriott Bonvoy Points earned at participating Marriott Bonvoy hotels (i.e., 8 Marriott Bonvoy Points per ₹150) is capped at a monthly spends threshold of INR 10,00,000. Maximum of 53335 Marriott Bonvoy Points could be earned under this category on a monthly basis.
- Earn 4 Marriott Bonvoy points on eligible purchases on travel, dining, and entertainment. [Reward Rate: 2.67% MB Points]
*Condition: Maximum Eligible Spends for Marriott Bonvoy Points earned on Travel, Dining and Entertainment (i.e., 4 Marriott Bonvoy Points per ₹150) is capped at a monthly spend threshold of INR 5,00,000. Maximum of 13335 Marriott Bonvoy Points could be earned on Travel, Dining and Entertainment on a monthly basis.
- Earn 2 Marriott Bonvoy points on all other eligible purchases. [Reward Rate: 1.33% MB Points]
*Condition: Maximum Eligible Spend for earning of Marriott Bonvoy Points on grocery store spend (i.e., 2 Marriott Bonvoy Points per ₹150) will be capped at spends of INR 1,50,000 per month (i.e., maximum 2000 Marriott Bonvoy Points could be earned on grocery spends per month).
Excluded Categories: EMI payments • Fuel payments • Wallet loading transactions / gift or prepaid card loading transactions / voucher purchases • Cash advances • Payment of outstanding balances • Payment of fees and other charges for any card • Government related transactions • Rental transactions •
MB Point Transfer To Marriott Bonvoy Account:
Marriott Bonvoy Points earned during a Credit Card billing cycle will be automatically transferred to the Primary Cardmember’s Marriott Bonvoy Member Account after the end of each Credit Card billing cycle. Please allow up to 12 weeks following the Credit Card billing cycle for Points to be added to the Primary Cardmember’s Marriott Bonvoy Member Account.
MILESTONE BENEFITS:
Earn 1 Free Night Award (valued up to 15,000 points) when you reach these spend thresholds with your Card within Card anniversary year.
- INR 6 lakh
- INR 9 lakh
- INR 15 lakh
You can apply for the card here: https://bit.ly/TFMarriott
TechnoFino Opinion:
This credit card, jointly offered by HDFC Bank and Marriott International, is quite basic. The earning rate isn't particularly impressive, with numerous excluded categories where you won't earn rewards. The free night award can only be redeemed for room rates of up to 15k points or less, which is quite disappointing. Additionally, you can't combine award night bookings with cash, but you do have the option to redeem or purchase up to 15,000 additional Marriott Bonvoy Points to enhance the value of your free award night, which is a positive aspect in my view. It would have been better if they had offered a free night award of up to 30k points at the least.
Overall, this card falls into the average category. The reward system is intricate, and despite reasonable caps, I would personally prefer a simpler card. Personally, I'll be avoiding this credit card.
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