Himanshu Agarwal on Instagram: "Most people have no idea but Marriott actually gives you 1 free luxury night every year. And it’s not some complex system or a loyalty program you need to fight for. It’s all available through the collaboration of HDFC and Marriott via HDFC Marriott Bonvoy Credit card, which gives you 15,000 Marriott points annually without doing anything extra. Here’s the real magic behind it: • Those 15,000 points can be used for 1 free night at places like Fairfield in Bali, Fo