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IDFC First Wealth vs HDFC Marriott Bonvoy

Compare IDFC First Wealth vs HDFC Marriott Bonvoy across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Marriott Bonvoy leads on reward rate, while IDFC First Wealth has the lowest annual fee.

Card 1

IDFC First Wealth

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.9.3

Card 2

HDFC Marriott Bonvoy

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.8
IDFC First Wealth
No-fee value9.3

idfc / VISA

IDFC First Wealth

Annual

₹0

Return

2.5%

Lounges

20

Forex

1.5%

Card summary
  • IDFC First Wealth leans travel and lifestyle with ₹0 annual fee, 2.5% headline return potential, and 20 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • 20 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹36,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
HDFC Marriott Bonvoy Credit Card
Balanced value7.8

hdfc / VISA

HDFC Marriott Bonvoy

Annual

₹3,000

Return

4%

Lounges

10

Forex

2%

Card summary
  • HDFC Marriott Bonvoy leans travel and lifestyle with ₹3,000 annual fee, 4% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹3,000 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
IDFC First Wealth
HDFC Marriott Bonvoy
Fees
Annual fee
₹0
₹3,000
Joining fee
₹0
₹3,000
Rewards
Cashback rate
0.75%
1%
Reward rate
2.5%
4%
Travel
Forex markup
1.5%
2%
Domestic lounges
16
6
International lounges
4
4
Benefits
Fuel waiver
Yes
No
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹36,00,000
₹12,00,000

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