Marriott Bonvoy HDFC Bank vs IDFC FIRST Bank FIRST Wealth
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Marriott Bonvoy HDFC Bank and IDFC FIRST Bank FIRST Wealth differ first on recurring cost: Marriott Bonvoy HDFC Bank has an annual fee of ₹3,000 + GST against ₹0 for IDFC FIRST Bank FIRST Wealth, so IDFC FIRST Bank FIRST Wealth is cheaper to hold. On rewards, Marriott Bonvoy HDFC Bank earns 2 Marriott Bonvoy Points per ₹150 on eligible purchases while IDFC FIRST Bank FIRST Wealth earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). IDFC FIRST Bank FIRST Wealth has the lower forex markup at 1.5%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | Marriott Bonvoy HDFC Bank | IDFC FIRST Bank FIRST Wealth |
|---|---|---|
| Issuer | HDFC Bank | IDFC FIRST Bank |
| Joining fee | ₹3,000 + GST | ₹0 |
| Annual fee | ₹3,000 + GST | ₹0 |
| Fee waiver | No waiver recorded | No waiver recorded |
| Base rewards | 2 Marriott Bonvoy Points per ₹150 on eligible purchases | 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point) |
| Accelerated routes | Marriott hotels · travel/dining/entertainment | dining, travel, international and birthday spends |
| Reward exclusions | fuel, rent, wallet load, gift card, prepaid card load, voucher, cash advance, government, fees, outstanding balance | fuel, emi, cash advance, fees, loan on card, balance transfer |
| Forex markup | 3.5% | 1.5% |
| Domestic lounge | 12/yr (combined domestic + international terminals in India) | 1/quarter after ₹20K spend in the previous calendar month |
| International lounge | included in the 12 visits | 1/quarter after ₹20K spend in the previous calendar month |
| Card networks | Diners Club | Visa Infinite |
| Best suited to | marriott loyalists, hotels, travel | lifetime free, low forex, premium on budget |
| Issuer evidence | Checked 2026-08-01 | Checked 2026-08-01 |
Frequently asked questions
Is the Marriott Bonvoy HDFC Bank better than the IDFC FIRST Bank FIRST Wealth?
Neither is universally better. Marriott Bonvoy HDFC Bank charges ₹3,000 + GST a year and earns 2 Marriott Bonvoy Points per ₹150 on eligible purchases; IDFC FIRST Bank FIRST Wealth charges ₹0 and earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Marriott Bonvoy HDFC Bank or IDFC FIRST Bank FIRST Wealth?
IDFC FIRST Bank FIRST Wealth has the lower recorded annual fee at ₹0. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, Marriott Bonvoy HDFC Bank or IDFC FIRST Bank FIRST Wealth?
IDFC FIRST Bank FIRST Wealth publishes the lower forex markup at 1.5% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.