Head-to-head · 🇮🇳 India
HDFC Marriott Bonvoy vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Marriott Bonvoy
DINERS CLUB
Wins 4 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Marriott Bonvoy | IDFC FIRST Wow |
|---|---|---|
| Annual fee | · ₹3,000 | No annual fee |
| Joining fee | · ₹3,000 | None |
| Top reward rate | 8% (travel) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | = N/A | = No FX fee |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | ₹800,000 / yr | · N/A (no fee) |
| Min income | · ₹1,500,000 | Not verified |
| Min credit score | · 770 | 600 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
HDFC Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›HDFC Marriott Bonvoy vs IDFC FIRST Wow: which is better?
It's a true tie, pick the one whose boost categories match your spend. HDFC Marriott Bonvoy wins on 4 criteria, IDFC FIRST Wow on 4.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Marriott Bonvoy for its best categories, IDFC FIRST Wow for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.