Marriott Bonvoy HDFC Bank Credit Card vs IDFC FIRST Select Credit Card

* Avail 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
* Avail 4 Marriott Bonvoy Points per Rs. 150 spent on dining, entertainment, and travel
* Avail 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
* Get Complimentary Golf Access 2 per quarter across the globe (Green Fee Waiver)
* Zero Lost card liability
* Foreign Currency Markup is 3.5% on all foreign currency spends
* Enjoy Revolving Credit on Marriott Bonvoy HDFC Bank Credit Card at nominal interest rate
* Avail 12 Complimentary domestic and international terminals access within India using the Marriott Bonvoy HDFC Bank Credit Card each year
* Avail 12 Complimentary airport lounge access outside India each year
* Get 1 Free Night Award on Eligible Spends of Rs. 6 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 9 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 15 lakhs in an Anniversary Year
* Avail Delay or loss of checked-in baggage cover of up to $250
* Loss of travel documents cover of up to $250
* Flight delay cover of up to $250
* Air accidental cover of up to $12,500
* Emergency medical expenses cover of up to $18,750
* Credit shield of up to Rs. 100,000
* Loss liability cover of up to Rs. 100,000
* Exclusive Concierge Services
* You can convert big spends into EMI after purchases
*  Marriott Bonvoy HDFC Bank Credit Card is enabled for contactless payments

• Get 3X Reward Points on Spends till Rs. 20,000 in a statement cycle
• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Avail 1X Reward Points on Insurance premium and Utility bill payments
• Use the Reward points to instantly pay for online or in-store purchases
• Get 3X Reward Points on rental and property management transactions
• Avail ‘Buy One, Get One' offer on movie tickets up to Rs. 125 on Paytm mobile app. This is valid twice per month
• Enjoy 300+ Brand Offers all year long
• Get up to 20% discount at 1500+ restaurants
• Complimentary Roadside Assistance worth Rs. 1,399
• 1% Fuel Surcharge Waiver up to Rs. 300 per month at all fuel stations in India, on transactions between Rs. 200 and Rs. 5000
• Air Accident Cover of Rs. 1 Crore
• Personal Accident Cover of Rs. 5,00,000
• Lost Card Liability Cover of Rs. 50,000
• Comprehensive Travel Insurance Cover of Rs. 22,500
• Convert all transactions above Rs. 2,500 into easy and convenient EMIs on the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from other bank credit cards with the bank’s balance transfer privilege

Premium Benefits includes as follows:

• Availing 2 complimentary Domestic airport lounge visits per quarter, on spending Rs. 20,000 every month  
• Availing 4 complimentary railway lounge visits per quarter
• Cancellation For Any Reason (CFAR) insurance: Get cancellation cover for up to 2 claims up to Rs. 10,000, will be available for hotel and flight booking cancellations.

VISA Offers are as follows:

• Airport Meet & Greet - Avail discounts on Airport Fast Track immigration service worldwide
• Airport Transfers - Enjoy discounts on Airport transfer limousine service across in more than 3000 cities across 83 countries
• Concierge 
• Luxury Hotel Collection – Get access to over 900 luxury hotels around the globe with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others

MasterCard Offers are as follows:

• Limo Service Airport Pick Up and Drop 
• Airport Meet & Assist - Cardholders will get assistance through the airport with all aspects of their departure and arrivals
• Get 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year

Pros

* Avail elite privileges on Marriott hotel bookings
* Get international and domestic airport lounges access
* Get access to Marriott Bonvoy Silver Elite Status 
* As welcome and milestone benefits, get Free Night Stays at Marriott

Cons

* There are no general travel benefits
* The features to co-branded hotel bookings are limited
* The base reward rate is low
* There’s no Priority Pass membership
* There’s no card renewal benefits or fee waiver option

Pros

• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Domestic airport and railway lounge access
• Get 3X Reward Points on rental and property management transactions

Cons

• No International Airport Lounge access
• Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
• No Priority Pass facility