From dabb1f9a6e06cf0866ec52a96dcdc1378d48730c Mon Sep 17 00:00:00 2001 From: Ankit Kumar Date: Fri, 31 Jul 2026 13:12:06 +0530 Subject: [PATCH] =?UTF-8?q?KB:=20HDFC=20Marriott=20=E2=80=94=20tax/govt=20?= =?UTF-8?q?does=20NOT=20count=20toward=20FNA=20milestones=20(official)?= MIME-Version: 1.0 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit Add a tax-treatment entry for hdfc-marriott: earns:false, countsToMilestone:false, verified:true. Per the official HDFC Marriott Bonvoy T&C PDF (publ. 06-Oct-2025), the FNA milestones (₹6L/₹9L/₹15L) are based on "Eligible Spends", which the T&C explicitly defines to EXCLUDE "Government related transactions" (income tax MCC 9311 / govt 9399). So tax neither earns Bonvoy points nor counts toward the milestones — stricter than HDFC Infinia/Diners (tax earns 0 but counts). --- data/kb/tax-treatment.ts | 8 ++++++++ 1 file changed, 8 insertions(+) diff --git a/data/kb/tax-treatment.ts b/data/kb/tax-treatment.ts index 7ab60fe..68a3a8e 100644 --- a/data/kb/tax-treatment.ts +++ b/data/kb/tax-treatment.ts @@ -39,6 +39,14 @@ export const CARD_TAX_TREATMENT: Record = { notes: 'Tax earns 0; counts toward the ₹1.5L quarterly milestone (₹1.5K GV) — consistent with HDFC\'s "counts as spend" framework, but NOT explicitly confirmed on issuer T&C. community/unconfirmed.', }, + // HDFC Marriott co-brand: tax neither earns NOR counts to the FNA milestones. + 'hdfc-marriott': { + earns: false, + countsToMilestone: false, + verified: true, + notes: + 'OFFICIAL (HDFC Marriott Bonvoy T&C PDF, publ. 06-Oct-2025): the FNA spend milestones (₹6L/₹9L/₹15L) are based on "Eligible Spends", and the T&C defines Eligible Spends to EXCLUDE "Government related transactions" (income tax MCC 9311 / govt 9399) — so tax/govt neither earns Bonvoy points NOR counts toward the milestones. Stricter than HDFC Infinia/Diners (where tax earns 0 but counts).', + }, // ---- HDFC business: tax/GST NOT excluded → earns AND counts to milestone ---- 'hdfc-bizblack': { earns: true,