KrisFlyer SBI Card vs MakeMyTrip ICICI Bank Signature (2026)
The answer changes hands 2 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
Head to head
| KrisFlyer SBI Card | Metric | MakeMyTrip ICICI Bank Signature |
|---|---|---|
| #64 — wins this row | Our rank | #72 |
| ₹2,999/yr | Fee — joining · annual (+ GST) | ₹0/yr · ₹2,500 joining (one-time) — wins this row |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | 3.5% + GST |
| not published | APR | 3.75%/mo (45%/yr) |
| 1.1% — wins this row | Headline earn rate | 0.6% |
| Singapore Airlines KrisFlyer | Currency | MakeMyTrip myCash |
| ₹1.10/pt | House value | ₹1.00/pt |
| 3,000 KrisFlyer miles on annual-fee payment and first transaction within 60 days | Welcome benefit | MMTBLACK Platinum tier + a MakeMyTrip holiday voucher up to ₹2,500 — one-time, on joining. CLOSED TO NEW APPLICATIONS. |
| 724 of 789 | Lounge doors opened | 752 of 789 — wins this row |
Neither issuer publishes an income floor for these two. KrisFlyer SBI Card is open to a direct application; MakeMyTrip ICICI Bank Signature is 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 →
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: KrisFlyer SBI Card at ₹1L/month, KrisFlyer SBI Card at ₹3L/month, KrisFlyer SBI Card at ₹5L/month.
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹0.75L a month: KrisFlyer SBI Card is ahead by ₹1,014 at ₹0.25L, KrisFlyer SBI Card by ₹31,456 at ₹5L.
MakeMyTrip ICICI Bank Signature charges ₹2,500 once at issuance and nothing to renew.
KrisFlyer SBI Card draws above the line, MakeMyTrip ICICI Bank Signature below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | KrisFlyer SBI Card | MakeMyTrip ICICI Bank Signature | In front |
|---|---|---|---|
| ₹0.25L | ₹4,195 | ₹3,181 | KrisFlyer SBI Card by ₹1,014 |
| ₹0.5L | ₹8,089 | ₹9,263 | MakeMyTrip ICICI Bank Signature by ₹1,174 |
| ₹0.75L | ₹11,983 | ₹11,344 | KrisFlyer SBI Card by ₹639 |
| ₹1L | ₹15,877 | ₹13,425 | KrisFlyer SBI Card by ₹2,452 |
| ₹1.25L | ₹19,771 | ₹15,506 | KrisFlyer SBI Card by ₹4,265 |
| ₹1.5L | ₹23,665 | ₹17,588 | KrisFlyer SBI Card by ₹6,077 |
| ₹1.75L | ₹27,559 | ₹19,669 | KrisFlyer SBI Card by ₹7,890 |
| ₹2L | ₹31,453 | ₹21,750 | KrisFlyer SBI Card by ₹9,703 |
| ₹2.25L | ₹35,347 | ₹23,831 | KrisFlyer SBI Card by ₹11,516 |
| ₹2.5L | ₹39,241 | ₹25,913 | KrisFlyer SBI Card by ₹13,328 |
| ₹2.75L | ₹43,135 | ₹27,994 | KrisFlyer SBI Card by ₹15,141 |
| ₹3L | ₹47,029 | ₹30,075 | KrisFlyer SBI Card by ₹16,954 |
| ₹3.25L | ₹50,923 | ₹32,156 | KrisFlyer SBI Card by ₹18,767 |
| ₹3.5L | ₹54,817 | ₹34,238 | KrisFlyer SBI Card by ₹20,579 |
| ₹3.75L | ₹58,711 | ₹36,319 | KrisFlyer SBI Card by ₹22,392 |
| ₹4L | ₹62,605 | ₹38,400 | KrisFlyer SBI Card by ₹24,205 |
| ₹4.25L | ₹66,499 | ₹40,481 | KrisFlyer SBI Card by ₹26,018 |
| ₹4.5L | ₹70,393 | ₹42,563 | KrisFlyer SBI Card by ₹27,830 |
| ₹4.75L | ₹74,287 | ₹44,644 | KrisFlyer SBI Card by ₹29,643 |
| ₹5L | ₹78,181 | ₹46,725 | KrisFlyer SBI Card by ₹31,456 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
KrisFlyer SBI Card · 5 more →
- General earn is 1 mile/₹100 (≈1.1%) — everyday spend belongs on another card
- ₹2,999 fee has no spend-based waiver; 3.5% forex markup
- Elite Silver is NOT a general-spend milestone — SBI gates it on ₹2.5L booked with Singapore Airlines, a bar almost nobody clears on a ₹2,999 card
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
The call
For the ₹1L/month spender, KrisFlyer SBI Card nets ₹15,877 against ₹13,425 — a ₹2,452 gap. At ₹5L/month, KrisFlyer SBI Card nets ₹78,181 against ₹46,725 — a ₹31,456 gap. Lounge chasers: MakeMyTrip ICICI Bank Signature opens 752 of 789 tracked doors to KrisFlyer SBI Card's 724.
Our standing verdicts: KrisFlyer SBI Card — Keep; MakeMyTrip ICICI Bank Signature — Keep. On our board, KrisFlyer SBI Card sits at #64 to MakeMyTrip ICICI Bank Signature's #72 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, KrisFlyer SBI Card or MakeMyTrip ICICI Bank Signature?
KrisFlyer SBI Card. It sits at #64 on our board to MakeMyTrip ICICI Bank Signature's #72. KrisFlyer SBI Card takes 5 of the 7 rounds we can score. It swings with spend: KrisFlyer SBI Card at ₹1L/month, KrisFlyer SBI Card at ₹3L/month, KrisFlyer SBI Card at ₹5L/month.
KrisFlyer SBI Card or MakeMyTrip ICICI Bank Signature — which earns more at ₹3L a month?
At ₹3L a month, KrisFlyer SBI Card nets ₹47,029 against ₹30,075 — a ₹16,954 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, KrisFlyer SBI Card or MakeMyTrip ICICI Bank Signature?
MakeMyTrip ICICI Bank Signature — ₹0/yr · ₹2,500 joining (one-time) against ₹2,999/yr. KrisFlyer SBI Card waives its fee at no spend level — there is no waiver; MakeMyTrip ICICI Bank Signature at no spend level — there is no waiver.
Which gets you into more airport lounges, KrisFlyer SBI Card or MakeMyTrip ICICI Bank Signature?
Lounge chasers: MakeMyTrip ICICI Bank Signature opens 752 of 789 tracked doors to KrisFlyer SBI Card'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: KrisFlyer SBI Card on 2026-08-02, MakeMyTrip ICICI Bank Signature on 2026-07-26. 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.