MakeMyTrip ICICI Bank Signature vs MakeMyTrip ICICI Bank (2026)
MakeMyTrip ICICI Bank vs MakeMyTrip ICICI Bank Signature: which wins?
₹45,000ranking value a year at ₹3L a month, to MakeMyTrip ICICI Bank
Skip the duel — the board, ranked → · nothing to sign up for
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.
It swings with spend: MakeMyTrip ICICI Bank at ₹1L/month, MakeMyTrip ICICI Bank at ₹3L/month, MakeMyTrip ICICI Bank at ₹5L/month.
Every metric, row by row — 10 compared
Head to head
| MakeMyTrip ICICI Bank Signature | Metric | MakeMyTrip ICICI Bank |
|---|---|---|
| closed | Our rank | #93 |
| ₹0/yr · ₹2,500 joining (one-time) | Fee — joining · annual (+ GST) | ₹999/yr — wins this row |
| 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% | Headline earn 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) |
| 756 of 793 — wins this row | Lounge doors opened | 735 of 793 |
Neither issuer publishes an income floor for these two. MakeMyTrip ICICI Bank Signature is closed to new applications, and only grandfathered holders still have it; MakeMyTrip ICICI Bank is open to a direct application. How people actually get MakeMyTrip ICICI Bank Signature is on its card page.
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.
It swings with spend: MakeMyTrip ICICI Bank at ₹1L/month, MakeMyTrip ICICI Bank at ₹3L/month, MakeMyTrip ICICI Bank at ₹5L/month.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹1L a month: MakeMyTrip ICICI Bank is ahead by ₹569 at ₹0.25L, MakeMyTrip ICICI Bank by ₹28,275 at ₹5L.
MakeMyTrip ICICI Bank Signature pays 2 annual spend milestones, the first at ₹2,50,000 a year, and MakeMyTrip ICICI Bank pays none; MakeMyTrip ICICI Bank pays a renewal bonus whatever you spend, and MakeMyTrip ICICI Bank Signature pays nothing to stay.
MakeMyTrip ICICI Bank Signature draws above the line, MakeMyTrip ICICI Bank below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank Signature | MakeMyTrip ICICI Bank | In front |
|---|---|---|---|
| ₹0.25L | ₹3,181 | ₹3,750 | MakeMyTrip ICICI Bank by ₹569 |
| ₹0.5L | ₹9,263 | ₹7,500 | MakeMyTrip ICICI Bank Signature by ₹1,763 |
| ₹0.75L | ₹11,344 | ₹11,250 | MakeMyTrip ICICI Bank Signature by ₹94 |
| ₹1L | ₹13,425 | ₹15,000 | MakeMyTrip ICICI Bank by ₹1,575 |
| ₹1.25L | ₹15,506 | ₹18,750 | MakeMyTrip ICICI Bank by ₹3,244 |
| ₹1.5L | ₹17,588 | ₹22,500 | MakeMyTrip ICICI Bank by ₹4,912 |
| ₹1.75L | ₹19,669 | ₹26,250 | MakeMyTrip ICICI Bank by ₹6,581 |
| ₹2L | ₹21,750 | ₹30,000 | MakeMyTrip ICICI Bank by ₹8,250 |
| ₹2.25L | ₹23,831 | ₹33,750 | MakeMyTrip ICICI Bank by ₹9,919 |
| ₹2.5L | ₹25,913 | ₹37,500 | MakeMyTrip ICICI Bank by ₹11,587 |
| ₹2.75L | ₹27,994 | ₹41,250 | MakeMyTrip ICICI Bank by ₹13,256 |
| ₹3L | ₹30,075 | ₹45,000 | MakeMyTrip ICICI Bank by ₹14,925 |
| ₹3.25L | ₹32,156 | ₹48,750 | MakeMyTrip ICICI Bank by ₹16,594 |
| ₹3.5L | ₹34,238 | ₹52,500 | MakeMyTrip ICICI Bank by ₹18,262 |
| ₹3.75L | ₹36,319 | ₹56,250 | MakeMyTrip ICICI Bank by ₹19,931 |
| ₹4L | ₹38,400 | ₹60,000 | MakeMyTrip ICICI Bank by ₹21,600 |
| ₹4.25L | ₹40,481 | ₹63,750 | MakeMyTrip ICICI Bank by ₹23,269 |
| ₹4.5L | ₹42,563 | ₹67,500 | MakeMyTrip ICICI Bank by ₹24,937 |
| ₹4.75L | ₹44,644 | ₹71,250 | MakeMyTrip ICICI Bank by ₹26,606 |
| ₹5L | ₹46,725 | ₹75,000 | MakeMyTrip ICICI Bank by ₹28,275 |
Transfer reach — 0 shared live routes
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 →
What to watch out for — 6 points
What to watch out for
MakeMyTrip ICICI Bank Signature · 3 more →
- Closed to new applications — ICICI's own page says so
- Everything earns per ₹200, not ₹100: base spends are 0.625%, MMT flights just 1%
- Milestone myCash needs ₹2.5L and ₹5L of spend on a card you shouldn't be spending on
MakeMyTrip ICICI Bank · 1 more →
- myCash is a closed MakeMyTrip wallet — no transfers, no cash-out, per-booking caps
- Base earn off-MMT is a flat 1%
- Domestic lounges need ₹75k of prior-quarter spend
The call
For the ₹1L/month spender, MakeMyTrip ICICI Bank nets ₹15,000 against ₹13,425 — a ₹1,575 gap. At ₹5L/month, MakeMyTrip ICICI Bank nets ₹75,000 against ₹46,725 — a ₹28,275 gap. Lounge chasers: MakeMyTrip ICICI Bank Signature opens 756 of 793 tracked doors to MakeMyTrip ICICI Bank's 735.
Our standing verdicts: MakeMyTrip ICICI Bank Signature — Keep; MakeMyTrip ICICI Bank — Keep. MakeMyTrip ICICI Bank takes 6 of the 7 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 Signature or MakeMyTrip ICICI Bank?
MakeMyTrip ICICI Bank. MakeMyTrip ICICI Bank takes 6 of the 7 rounds we can score. It swings with spend: MakeMyTrip ICICI Bank at ₹1L/month, MakeMyTrip ICICI Bank at ₹3L/month, MakeMyTrip ICICI Bank at ₹5L/month.
MakeMyTrip ICICI Bank Signature or MakeMyTrip ICICI Bank — which earns more at ₹3L a month?
At ₹3L a month, MakeMyTrip ICICI Bank nets ₹45,000 against ₹30,075 — a ₹14,925 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 Signature or MakeMyTrip ICICI Bank?
MakeMyTrip ICICI Bank — ₹999/yr against ₹0/yr · ₹2,500 joining (one-time). MakeMyTrip ICICI Bank Signature waives its fee at no spend level — there is no waiver; MakeMyTrip ICICI Bank at ₹3,00,000 of spend.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank Signature or MakeMyTrip ICICI Bank?
Lounge chasers: MakeMyTrip ICICI Bank Signature opens 756 of 793 tracked doors to MakeMyTrip ICICI Bank's 735. 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 Signature on 2026-07-26, MakeMyTrip ICICI Bank on 2026-08-05. 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 ICICI Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official Product page — ₹2,500 joining / nil annual, 8 domestic (₹75k quarterly gate) + 1 international + quarterly railway lounges, 3.5% forex, MMTBLACK Platinum
- official Membership guide — the rate table headed "My Cash (per ₹200 spent)": domestic outside MMT ₹1.25, international outside MMT ₹1.5, MMT flights ₹2, MMT hotel/holiday ₹4
- official MITC ("Last updated on Aug 2nd, 2026") — ₹2,500 joining, NIL annual fee, no spend threshold, ₹199 add-on; APR 3.75%/mo (45%/yr)
- official The live ₹999 MakeMyTrip ICICI card — the replacement product, earning per ₹100
- official Product page — 6 myCash/₹100 on MMT hotels, 3 on flights/buses/cabs, 1 on all other retail
- community CardInsider review (dual Mastercard+RuPay; UPI earns myCash)