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Marriott Bonvoy HDFC Bank vs IDFC FIRST Mayura

Both cards compared on real rupee returns for Marriott Bonvoy vs IDFC FIRST Mayura which better premium travel card India. We ran the numbers so you can make the right call.

Last updated: September 2026 · Based on current card terms
HDFC
MARRIOTT BONVO
ASHOK KUMAR
VS
IDFC FIRST
MAYURA
ASHOK KUMAR
Our verdict
IDFC FIRST Mayura Credit Card wins for most people
Card B dominates with ₹5,463 annual benefit versus Card A's ₹929, despite higher fees. For this travel-heavy spend profile (₹30,000/month), Card B's accelerated travel rewards and premium perks far outweigh the cost difference.
Side-by-side comparison
Marriott Bonvoy HDFC Bank Credit Card IDFC FIRST Mayura Credit Card ✓
Annual benefit ₹929 ₹5,463
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + taxes (no fee waiver) ₹5,999 + taxes joining + annual (no waiver)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 8 Marriott Bonvoy Points per ₹150 at Marriott hotels (1.33%); 4 points on travel/dining/entertainment (0.67%); 2 points on others (0.33%) 10X RP per ₹150 on spends above ₹20,000/month (3.33% on travel); 5X below ₹20,000/month (1.67%); 3X on rent/wallet/education/govt; 1X on utilities/insurance; 1 RP = ₹0.50 for travel via IDFC app
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic + 12 international visits/year (no quarterly cap) Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domestic
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 0%
Best for Frequent Marriott hotel guests wanting to earn Bonvoy points on all spends Premium travellers wanting zero forex markup, 16 lounge visits/quarter and accelerated travel rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹1L+/month (salaried) ₹12L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
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Apply now ↗ Full review →
When each card wins
Marriott Bonvoy HDFC Bank Credit Card
Card A suits occasional Marriott loyalists who value Bonvoy points for hotel stays and prefer lower annual fees. Choose it only if Marriott redemptions are your primary goal and travel spending is minimal.
IDFC FIRST Mayura Credit Card
Card B excels for frequent travellers with ₹30,000+ monthly travel spend seeking maximum value through accelerated rewards, lounge access, and zero forex markup on international transactions.
Who should get which card
Get Marriott Bonvoy HDFC Bank if you…
· Marriott hotel loyalty program members prioritizing point accumulation
· Budget-conscious spenders wanting lower annual fee (₹3,000)
· Those primarily booking Marriott properties for redemptions
Get IDFC FIRST Mayura if you…
· Frequent business/leisure travellers spending ₹30,000+ monthly on travel
· Flyers seeking 16 lounge visits quarterly and premium travel benefits
· International travellers needing zero forex markup protection
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Related guides
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Frequently asked questions
Based on our analysis, IDFC FIRST Mayura Credit Card offers better annual returns for most spend profiles.
Marriott Bonvoy HDFC Bank Credit Card has an annual fee of ₹3,000 + taxes (no fee waiver). IDFC FIRST Mayura Credit Card has an annual fee of ₹5,999 + taxes joining + annual (no waiver).
Marriott Bonvoy HDFC Bank Credit Card offers 8 Marriott Bonvoy Points per ₹150 at Marriott hotels (1.33%); 4 points on travel/dining/entertainment (0.67%); 2 points on others (0.33%). IDFC FIRST Mayura Credit Card offers 10X RP per ₹150 on spends above ₹20,000/month (3.33% on travel); 5X below ₹20,000/month (1.67%); 3X on rent/wallet/education/govt; 1X on utilities/insurance; 1 RP = ₹0.50 for travel via IDFC app.
Marriott Bonvoy HDFC Bank Credit Card lounge access: 12 domestic + 12 international visits/year (no quarterly cap). IDFC FIRST Mayura Credit Card lounge access: Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domestic.
Marriott Bonvoy HDFC Bank Credit Card charges 3.5% forex markup. IDFC FIRST Mayura Credit Card charges 0% forex markup.