MakeMyTrip ICICI Bank Signature vs MakeMyTrip ICICI Bank (2026)
The dead one is free, the live one earns double. Signature charges ₹2,500 once and nothing after; the ₹999 dual card earns per ₹100 instead of per ₹200 and drops forex from 3.5% to 0.99%. Hold both if you can — you can only apply for one.
Head to head
| MakeMyTrip ICICI Bank Signature | Metric | MakeMyTrip ICICI Bank |
|---|---|---|
| #70 | Our rank | #66 — wins this row |
| ₹0 + GST — wins this row | Annual fee | ₹999 + GST |
| None | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST | Forex markup | 0.99% + GST — wins this row |
| 3.75%/mo (45%/yr) | APR | 3.75%/mo (45%/yr) |
| 0.6% | Effective reward rate | 1.0% — wins this row |
| MakeMyTrip myCash | Currency | MakeMyTrip myCash |
| ₹1.00/pt | House value | ₹1.00/pt |
| MMTBLACK Platinum tier + a MakeMyTrip holiday voucher up to ₹2,500 — one-time, on joining. CLOSED TO NEW APPLICATIONS. | Welcome benefit | ₹1,000 MakeMyTrip voucher (valid 1 year) + MMTBLACK Gold membership; ₹1,000 more on every renewal (valid 3 months) |
| 711 of 746 — wins this row | Lounge doors opened | 685 of 746 |
| not published | Income — salaried | not published |
| not published | Income — self-employed | 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 →
Net annual 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. Tune it to your own spend in the calculator.
MakeMyTrip ICICI Bank out-earns MakeMyTrip ICICI Bank Signature at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Both cards earn MakeMyTrip myCash, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, MakeMyTrip ICICI Bank nets ₹15,000 against ₹8,325 — a ₹6,675 gap. At ₹5L/month, MakeMyTrip ICICI Bank nets ₹75,000 against ₹41,625 — a ₹33,375 gap. Lounge chasers: MakeMyTrip ICICI Bank Signature opens 711 of 746 tracked doors to MakeMyTrip ICICI Bank's 685.
Our standing verdicts: MakeMyTrip ICICI Bank Signature — Keep; MakeMyTrip ICICI Bank — Keep. On our board, MakeMyTrip ICICI Bank sits at #66 to MakeMyTrip ICICI Bank Signature's #70 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →