MakeMyTrip ICICI Bank Signature vs SBI Card PRIME (2026)
#72 against #75 on our board, ₹14,765 apart in ranking value at ₹3L a month.
Head to head
| MakeMyTrip ICICI Bank Signature | Metric | SBI Card PRIME |
|---|---|---|
| #72 — wins this row | Our rank | #75 |
| ₹0/yr · ₹2,500 joining (one-time) — wins this row | Fee — joining · annual (+ GST) | ₹2,999/yr |
| None | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST | Forex markup | 3.5% + GST (the base SBI tier; only "Prime NRI Secured" gets 1.99%, and that is a different product) |
| 3.75%/mo (45%/yr) | APR | up to 3.75%/mo (45%/yr) |
| 0.6% — wins this row | Headline earn rate | 0.5% |
| MakeMyTrip myCash | Currency | SBI Reward Points |
| ₹1.00/pt | House value | ₹0.25/pt |
| MMTBLACK Platinum tier + a MakeMyTrip holiday voucher up to ₹2,500 — one-time, on joining. CLOSED TO NEW APPLICATIONS. | Welcome benefit | e-Gift voucher worth ₹3,000 (Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop) |
| 752 of 789 — wins this row | Lounge doors opened | 724 of 789 |
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; SBI Card PRIME 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 →
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.
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
SBI Card PRIME leads at all 20 steps, but not by the same amount: ₹3,639 at ₹0.25L a month, ₹20,675 at ₹5L — the gap fans out with spend, widest at ₹5L (₹20,675).
MakeMyTrip ICICI Bank Signature charges ₹2,500 once at issuance and nothing to renew.
MakeMyTrip ICICI Bank Signature draws above the line, SBI Card PRIME below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank Signature | SBI Card PRIME | In front |
|---|---|---|---|
| ₹0.25L | ₹3,181 | ₹6,820 | SBI Card PRIME by ₹3,639 |
| ₹0.5L | ₹9,263 | ₹16,640 | SBI Card PRIME by ₹7,377 |
| ₹0.75L | ₹11,344 | ₹19,460 | SBI Card PRIME by ₹8,116 |
| ₹1L | ₹13,425 | ₹22,280 | SBI Card PRIME by ₹8,855 |
| ₹1.25L | ₹15,506 | ₹25,100 | SBI Card PRIME by ₹9,594 |
| ₹1.5L | ₹17,588 | ₹27,920 | SBI Card PRIME by ₹10,332 |
| ₹1.75L | ₹19,669 | ₹30,740 | SBI Card PRIME by ₹11,071 |
| ₹2L | ₹21,750 | ₹33,560 | SBI Card PRIME by ₹11,810 |
| ₹2.25L | ₹23,831 | ₹36,380 | SBI Card PRIME by ₹12,549 |
| ₹2.5L | ₹25,913 | ₹39,200 | SBI Card PRIME by ₹13,287 |
| ₹2.75L | ₹27,994 | ₹42,020 | SBI Card PRIME by ₹14,026 |
| ₹3L | ₹30,075 | ₹44,840 | SBI Card PRIME by ₹14,765 |
| ₹3.25L | ₹32,156 | ₹47,660 | SBI Card PRIME by ₹15,504 |
| ₹3.5L | ₹34,238 | ₹50,480 | SBI Card PRIME by ₹16,242 |
| ₹3.75L | ₹36,319 | ₹53,300 | SBI Card PRIME by ₹16,981 |
| ₹4L | ₹38,400 | ₹56,120 | SBI Card PRIME by ₹17,720 |
| ₹4.25L | ₹40,481 | ₹58,940 | SBI Card PRIME by ₹18,459 |
| ₹4.5L | ₹42,563 | ₹61,760 | SBI Card PRIME by ₹19,197 |
| ₹4.75L | ₹44,644 | ₹64,580 | SBI Card PRIME by ₹19,936 |
| ₹5L | ₹46,725 | ₹67,400 | SBI Card PRIME by ₹20,675 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
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
SBI Card PRIME · 4 more →
- 3.5% foreign-currency markup — ELITE's 1.99% does not extend down to PRIME
- Reward Points are fixed at 4 RP = ₹1 with zero airline or hotel transfer partners
- 0.5% base earn; the 10X categories still only reach 2.5%
The call
For the ₹1L/month spender, SBI Card PRIME nets ₹22,280 against ₹13,425 — a ₹8,855 gap. At ₹5L/month, SBI Card PRIME nets ₹67,400 against ₹46,725 — a ₹20,675 gap. Lounge chasers: MakeMyTrip ICICI Bank Signature opens 752 of 789 tracked doors to SBI Card PRIME's 724.
Our standing verdicts: MakeMyTrip ICICI Bank Signature — Keep; SBI Card PRIME — Keep. On our board, MakeMyTrip ICICI Bank Signature sits at #72 to SBI Card PRIME's #75 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, MakeMyTrip ICICI Bank Signature or SBI Card PRIME?
MakeMyTrip ICICI Bank Signature. It sits at #72 on our board to SBI Card PRIME's #75. MakeMyTrip ICICI Bank Signature takes 4 of the 7 rounds we can score. 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 SBI Card PRIME — which earns more at ₹3L a month?
At ₹3L a month, SBI Card PRIME nets ₹44,840 against ₹30,075 — a ₹14,765 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 SBI Card PRIME?
MakeMyTrip ICICI Bank Signature — ₹0/yr · ₹2,500 joining (one-time) against ₹2,999/yr. MakeMyTrip ICICI Bank Signature waives its fee at no spend level — there is no waiver; SBI Card PRIME at ₹3,00,000 of spend.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank Signature or SBI Card PRIME?
Lounge chasers: MakeMyTrip ICICI Bank Signature opens 752 of 789 tracked doors to SBI Card PRIME's 724. 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, SBI Card PRIME on 2026-08-02. 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.