MakeMyTrip ICICI Bank Platinum vs TVS Credit RBL Bank (2026)
TVS Credit RBL Bank vs MakeMyTrip ICICI Bank Platinum: which wins?
₹20,800ranking value a year at ₹3L a month, to MakeMyTrip ICICI Bank Platinum
Skip the duel — the board, ranked → · nothing to sign up for
#95 against #101 on our board, ₹11,500 apart in ranking value at ₹3L a month.
MakeMyTrip ICICI Bank Platinum out-earns TVS Credit RBL Bank at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 11 compared
Head to head
| MakeMyTrip ICICI Bank Platinum | Metric | TVS Credit RBL Bank |
|---|---|---|
| #95 — wins this row | Our rank | #101 |
| ₹0/yr · ₹500 joining (one-time) | Fee — joining · annual (+ GST) | ₹500/yr |
| None | Fee waiver | None |
| 3.5% + GST — the 0.99% MakeMyTrip exception is expressly "Not applicable on … MakeMyTrip ICICI Bank Platinum Credit Card" | Forex markup | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière |
| 3.75%/mo (45%/yr) | APR | Bureau-score-tiered: 3.35%/mo (40.20%/yr) at CIBIL >775; 3.85%/mo (46.20%/yr) at 725–775; 3.99%/mo (47.88%/yr) below 725 |
| 0.5% — wins this row | Headline earn rate | 0.3% |
| MakeMyTrip myCash | Currency | RBL Reward Points |
| ₹1.00/pt | House value | ₹0.25/pt |
| ₹3,000 MakeMyTrip holiday voucher + ₹500 myCash — the voucher ships in the welcome kit, the myCash lands within 10 business days of paying the ₹500 joining fee | Welcome benefit | 2,000 Reward Points on one eligible retail transaction within 30 days of issuance and payment of the annual fee — credited within 60 days |
| 90 of 793 — wins this row | Lounge doors opened | 21 of 793 |
| ₹20,000+/month (product page eligibility panel) | Income — salaried | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
MakeMyTrip ICICI Bank Platinum out-earns TVS Credit RBL Bank at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
MakeMyTrip ICICI Bank Platinum leads at all 20 steps, but not by the same amount: ₹1,675 at ₹0.25L a month, ₹19,000 at ₹5L — the gap fans out with spend, widest at ₹5L (₹19,000).
MakeMyTrip ICICI Bank Platinum charges ₹500 once at issuance and nothing to renew.
MakeMyTrip ICICI Bank Platinum draws above the line, TVS Credit RBL Bank below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank Platinum | TVS Credit RBL Bank | In front |
|---|---|---|---|
| ₹0.25L | ₹2,650 | ₹975 | MakeMyTrip ICICI Bank Platinum by ₹1,675 |
| ₹0.5L | ₹4,300 | ₹1,950 | MakeMyTrip ICICI Bank Platinum by ₹2,350 |
| ₹0.75L | ₹5,950 | ₹2,925 | MakeMyTrip ICICI Bank Platinum by ₹3,025 |
| ₹1L | ₹7,600 | ₹3,900 | MakeMyTrip ICICI Bank Platinum by ₹3,700 |
| ₹1.25L | ₹9,250 | ₹4,875 | MakeMyTrip ICICI Bank Platinum by ₹4,375 |
| ₹1.5L | ₹10,900 | ₹5,850 | MakeMyTrip ICICI Bank Platinum by ₹5,050 |
| ₹1.75L | ₹12,550 | ₹6,675 | MakeMyTrip ICICI Bank Platinum by ₹5,875 |
| ₹2L | ₹14,200 | ₹7,200 | MakeMyTrip ICICI Bank Platinum by ₹7,000 |
| ₹2.25L | ₹15,850 | ₹7,725 | MakeMyTrip ICICI Bank Platinum by ₹8,125 |
| ₹2.5L | ₹17,500 | ₹8,250 | MakeMyTrip ICICI Bank Platinum by ₹9,250 |
| ₹2.75L | ₹19,150 | ₹8,775 | MakeMyTrip ICICI Bank Platinum by ₹10,375 |
| ₹3L | ₹20,800 | ₹9,300 | MakeMyTrip ICICI Bank Platinum by ₹11,500 |
| ₹3.25L | ₹22,450 | ₹9,825 | MakeMyTrip ICICI Bank Platinum by ₹12,625 |
| ₹3.5L | ₹24,100 | ₹10,500 | MakeMyTrip ICICI Bank Platinum by ₹13,600 |
| ₹3.75L | ₹25,750 | ₹11,250 | MakeMyTrip ICICI Bank Platinum by ₹14,500 |
| ₹4L | ₹27,400 | ₹12,000 | MakeMyTrip ICICI Bank Platinum by ₹15,400 |
| ₹4.25L | ₹29,050 | ₹12,750 | MakeMyTrip ICICI Bank Platinum by ₹16,300 |
| ₹4.5L | ₹30,700 | ₹13,500 | MakeMyTrip ICICI Bank Platinum by ₹17,200 |
| ₹4.75L | ₹32,350 | ₹14,250 | MakeMyTrip ICICI Bank Platinum by ₹18,100 |
| ₹5L | ₹34,000 | ₹15,000 | MakeMyTrip ICICI Bank Platinum by ₹19,000 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
MakeMyTrip ICICI Bank Platinum · 3 more →
- Everything earns per ₹200, not ₹100: base spends are 0.5%, MakeMyTrip flights just 1%
- 3.5% forex — the MITC names this card as an explicit exclusion from the 0.99% the ₹999 MakeMyTrip card gets
- myCash expires ONE YEAR after it lands in your MakeMyTrip wallet
TVS Credit RBL Bank · 3 more →
- This is a RAILWAY lounge, not an airport lounge — the whole travel benefit is a stop on a train journey
- 1 Reward Point per ₹100 (0.25%) offline — the thinnest base rate this batch found, tied with Patanjali Swarn
- 3.5% forex markup — this is a domestic card
The call
For the ₹1L/month spender, MakeMyTrip ICICI Bank Platinum nets ₹7,600 against ₹3,900 — a ₹3,700 gap. At ₹5L/month, MakeMyTrip ICICI Bank Platinum nets ₹34,000 against ₹15,000 — a ₹19,000 gap. Lounge chasers: MakeMyTrip ICICI Bank Platinum opens 90 of 793 tracked doors to TVS Credit RBL Bank's 21.
Our standing verdicts: MakeMyTrip ICICI Bank Platinum — Keep; TVS Credit RBL Bank — Downgrade. MakeMyTrip ICICI Bank Platinum takes 6 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, MakeMyTrip ICICI Bank Platinum or TVS Credit RBL Bank?
MakeMyTrip ICICI Bank Platinum. MakeMyTrip ICICI Bank Platinum takes 6 of the 6 rounds we can score. MakeMyTrip ICICI Bank Platinum out-earns TVS Credit RBL Bank at every spend level we model, from ₹25k to ₹5L a month.
MakeMyTrip ICICI Bank Platinum or TVS Credit RBL Bank — which earns more at ₹3L a month?
At ₹3L a month, MakeMyTrip ICICI Bank Platinum nets ₹20,800 against ₹9,300 — a ₹11,500 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, MakeMyTrip ICICI Bank Platinum or TVS Credit RBL Bank?
They cost the same to get: ₹0/yr · ₹500 joining (one-time). MakeMyTrip ICICI Bank Platinum waives its fee at no spend level — there is no waiver; TVS Credit RBL Bank at no spend level — there is no waiver.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank Platinum or TVS Credit RBL Bank?
Lounge chasers: MakeMyTrip ICICI Bank Platinum opens 90 of 793 tracked doors to TVS Credit RBL Bank's 21. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: MakeMyTrip ICICI Bank Platinum on 2026-08-15, TVS Credit RBL Bank on 2026-09-13. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against ICICI Bank and RBL Bank / TVS Credit's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 9 of them, each with the day we read it
- official Product page — ₹500 one-time joining fee, NIL annual fee, 3/2/1 myCash per ₹200, 1 domestic lounge visit a quarter plus 4 railway a year, 3.5% forex
- official Card T&C — the full "My Cash (per Rs 200 spent)" rate table, both milestones, and the one-year myCash expiry
- official MITC (last updated 2 Aug 2026) — ₹500 joining, NIL annual fee, no spend threshold; the 0.99% forex exception is expressly NOT applicable to this card
- official Product page — ₹500 annual fee, the ungated railway-lounge quota, and the 1/2 offline/online Reward Point split
- official Product T&C — §3.2 the 1/2 offline/online Reward Point split, §3.4 the ₹1.5 lakh milestone, §3.5 the ungated Executive Railway Lounge clause
- official TVS-card FAQ — confirms ₹500 membership/renewal fee, "Value of 1 Reward Point shall be upto INR 0.25", and links both TVS cards' individual T&C PDFs
- official RBL's Executive Railway Lounge programme terms — 2-hour stay, 1 buffet meal, tea/coffee, changing room, newspaper/magazine
- official Schedule of Charges — "RBL Bank TVS Credit Card: INR 500 (1st Year) / INR 500 (2nd Year onwards)"
- official Bank-wide MITC — up to 3.5% forex markup (the 0% carve-out names only the Safari family and Lumière)