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IDFC First Gaj vs ICICI MakeMyTrip Signature

Compare IDFC First Gaj vs ICICI MakeMyTrip Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC First Gaj leads on reward rate, while ICICI MakeMyTrip Signature has the lowest annual fee.

Card 1

IDFC First Gaj

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

ICICI MakeMyTrip Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.0
IDFC First Gaj - IDFC credit card
Premium stack10.0

idfc / VISA

IDFC First Gaj

Annual

₹12,500

Return

5%

Lounges

Unlimited

Forex

0%

Card summary
  • IDFC First Gaj leans travel and lifestyle with ₹12,500 annual fee, 5% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,500 annual fee.
  • 5% reward rate can outperform flat cashback for loyal users.
  • Unlimited lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹50,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
ICICI MakeMyTrip Signature Credit Card
Balanced value7.0

icici / MASTERCARD

ICICI MakeMyTrip Signature

Annual

₹2,500

Return

4%

Lounges

10

Forex

2.5%

Card summary
  • ICICI MakeMyTrip Signature leans travel and lifestyle with ₹2,500 annual fee, 4% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,500 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
IDFC First Gaj
ICICI MakeMyTrip Signature
Fees
Annual fee
₹12,500
₹2,500
Joining fee
₹12,500
₹2,500
Rewards
Cashback rate
1%
1%
Reward rate
5%
4%
Travel
Forex markup
0%
2.5%
Domestic lounges
Unlimited
6
International lounges
Unlimited
4
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹50,00,000
₹8,00,000

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