MakeMyTrip ICICI Bank Signature vs Club Vistara SBI Card PRIME (2026)
Club Vistara SBI Card PRIME vs MakeMyTrip ICICI Bank Signature: which wins?
₹67,600ranking value a year at ₹3L a month, to Club Vistara SBI Card PRIME
Skip the duel — the board, ranked → · nothing to sign up for
closed against closed on our board, ₹37,525 apart in ranking value at ₹3L a month.
Club Vistara SBI Card PRIME out-earns MakeMyTrip ICICI Bank Signature at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| MakeMyTrip ICICI Bank Signature | Metric | Club Vistara SBI Card PRIME |
|---|---|---|
| closed | Our rank | closed |
| ₹0/yr · ₹2,500 joining (one-time) — wins this row | Fee — joining · annual (+ GST) | ₹0/yr · ₹2,999 joining (one-time) |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | 3.5% + GST — SBI's markup table names ELITE and AURUM as the only 1.99% exceptions, so this card sits at the standard rate; dynamic and static DCC also 3.5% |
| 3.75%/mo (45%/yr) | APR | not published |
| 0.6% | Headline earn rate | 1.6% — wins this row |
| MakeMyTrip myCash | Currency | Air India Maharaja Points |
| ₹1.00/pt | House value | ₹0.80/pt † |
| MMTBLACK Platinum tier + a MakeMyTrip holiday voucher up to ₹2,500 — one-time, on joining. CLOSED TO NEW APPLICATIONS. | Welcome benefit | — |
| 756 of 793 — wins this row | Lounge doors opened | 728 of 793 |
† Club Vistara SBI Card PRIME: Priced at the ₹0.80 Air India Maharaja house value, because that is the programme the points now live in. SBI's card copy has never been updated from "CV Points", so a holder reading the product page and a holder reading their Maharaja Club balance are looking at the same points under two names.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: MakeMyTrip ICICI Bank Signature and Club Vistara SBI Card PRIME are both closed to new applications, and only grandfathered holders still have it. How people actually get each one 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.
Club Vistara SBI Card PRIME out-earns MakeMyTrip ICICI Bank Signature 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
Club Vistara SBI Card PRIME leads at all 20 steps, but not by the same amount: ₹1,619 at ₹0.25L a month, ₹59,275 at ₹5L — the gap fans out with spend, widest at ₹5L (₹59,275).
MakeMyTrip ICICI Bank Signature runs a 2.0% booster on MakeMyTrip hotel & holiday bookings, where Club Vistara SBI Card PRIME earns one flat rate; MakeMyTrip ICICI Bank Signature charges ₹2,500 once at issuance and nothing to renew.
MakeMyTrip ICICI Bank Signature draws above the line, Club Vistara SBI Card PRIME below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank Signature | Club Vistara SBI Card PRIME | In front |
|---|---|---|---|
| ₹0.25L | ₹3,181 | ₹4,800 | Club Vistara SBI Card PRIME by ₹1,619 |
| ₹0.5L | ₹9,263 | ₹9,600 | Club Vistara SBI Card PRIME by ₹337 |
| ₹0.75L | ₹11,344 | ₹24,400 | Club Vistara SBI Card PRIME by ₹13,056 |
| ₹1L | ₹13,425 | ₹29,200 | Club Vistara SBI Card PRIME by ₹15,775 |
| ₹1.25L | ₹15,506 | ₹34,000 | Club Vistara SBI Card PRIME by ₹18,494 |
| ₹1.5L | ₹17,588 | ₹38,800 | Club Vistara SBI Card PRIME by ₹21,212 |
| ₹1.75L | ₹19,669 | ₹43,600 | Club Vistara SBI Card PRIME by ₹23,931 |
| ₹2L | ₹21,750 | ₹48,400 | Club Vistara SBI Card PRIME by ₹26,650 |
| ₹2.25L | ₹23,831 | ₹53,200 | Club Vistara SBI Card PRIME by ₹29,369 |
| ₹2.5L | ₹25,913 | ₹58,000 | Club Vistara SBI Card PRIME by ₹32,087 |
| ₹2.75L | ₹27,994 | ₹62,800 | Club Vistara SBI Card PRIME by ₹34,806 |
| ₹3L | ₹30,075 | ₹67,600 | Club Vistara SBI Card PRIME by ₹37,525 |
| ₹3.25L | ₹32,156 | ₹72,400 | Club Vistara SBI Card PRIME by ₹40,244 |
| ₹3.5L | ₹34,238 | ₹77,200 | Club Vistara SBI Card PRIME by ₹42,962 |
| ₹3.75L | ₹36,319 | ₹82,000 | Club Vistara SBI Card PRIME by ₹45,681 |
| ₹4L | ₹38,400 | ₹86,800 | Club Vistara SBI Card PRIME by ₹48,400 |
| ₹4.25L | ₹40,481 | ₹91,600 | Club Vistara SBI Card PRIME by ₹51,119 |
| ₹4.5L | ₹42,563 | ₹96,400 | Club Vistara SBI Card PRIME by ₹53,837 |
| ₹4.75L | ₹44,644 | ₹1,01,200 | Club Vistara SBI Card PRIME by ₹56,556 |
| ₹5L | ₹46,725 | ₹1,06,000 | Club Vistara SBI Card PRIME by ₹59,275 |
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 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
Club Vistara SBI Card PRIME · 4 more →
- Closed to new applications — SBI's own product record sets this card unavailable online and the page carries no Apply Now button; existing holders keep it
- The four Premium Economy ticket vouchers are discontinued for every card renewing after 31 March 2025 — that is almost certainly you
- Your CV Points are Air India Maharaja Points now: Club Vistara folded into Maharaja Club on 12 November 2024 and SBI's card copy was never rewritten
The call
For the ₹1L/month spender, Club Vistara SBI Card PRIME nets ₹29,200 against ₹13,425 — a ₹15,775 gap. At ₹5L/month, Club Vistara SBI Card PRIME nets ₹1,06,000 against ₹46,725 — a ₹59,275 gap. Lounge chasers: MakeMyTrip ICICI Bank Signature opens 756 of 793 tracked doors to Club Vistara SBI Card PRIME's 728.
Our standing verdicts: MakeMyTrip ICICI Bank Signature — Keep; Club Vistara SBI Card PRIME — Keep. Club Vistara SBI Card PRIME takes 4 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 Signature or Club Vistara SBI Card PRIME?
Club Vistara SBI Card PRIME. Club Vistara SBI Card PRIME takes 4 of the 6 rounds we can score. Club Vistara SBI Card PRIME out-earns MakeMyTrip ICICI Bank Signature at every spend level we model, from ₹25k to ₹5L a month.
MakeMyTrip ICICI Bank Signature or Club Vistara SBI Card PRIME — which earns more at ₹3L a month?
At ₹3L a month, Club Vistara SBI Card PRIME nets ₹67,600 against ₹30,075 — a ₹37,525 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 Club Vistara SBI Card PRIME?
MakeMyTrip ICICI Bank Signature — ₹0/yr · ₹2,500 joining (one-time) against ₹0/yr · ₹2,999 joining (one-time). MakeMyTrip ICICI Bank Signature waives its fee at no spend level — there is no waiver; Club Vistara SBI Card PRIME at no spend level — there is no waiver.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank Signature or Club Vistara SBI Card PRIME?
Lounge chasers: MakeMyTrip ICICI Bank Signature opens 756 of 793 tracked doors to Club Vistara SBI Card PRIME's 728. 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, Club Vistara SBI Card PRIME on 2026-08-22. 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 SBI Card's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 11 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 SBI Card product page — ₹2,999 + taxes annual fee, renewal nil, 4 points per ₹200 on all retail including fuel, 8 domestic lounge visits, 4 Priority Pass visits outside India
- official SBI's own product record behind that page — the card is flagged as not available online, which is the issuer's own evidence that it is withdrawn from sale
- official Club Vistara SBI Card PRIME terms booklet — the renewal Premium Economy voucher is discontinued where the renewal fee falls after 31 March 2025, and the ₹2,999 is waived
- official Air India Maharaja Club partner directory — the SBI–Air India co-brand is the only co-brand listed; no Club Vistara SBI entry exists
- community SBI Card's domestic lounge rules from 10 January 2026 — tiered lounge lists plus a ₹2 authorization charge and a ₹25 validation hold on every visit
- official SBI Airport Lounge Access — "Club Vistara SBI Card PRIME" is named in SET B, the 30-room roster w.e.f. 10 Jan 2026
- official SBI's MITC fee table still prints "Club Vistara SBI Card PRIME / 2,999 / 2,999" — the generic row the card-specific booklet overrides, which is why this card renews at nothing