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IDFC First Wealth vs ICICI MakeMyTrip Platinum

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

Comparison cockpit

Futuristic side-by-side card intelligence

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

Card 1

IDFC First Wealth

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.9.3

Card 2

ICICI MakeMyTrip Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.4.2
IDFC First Wealth
No-fee value9.3

idfc / VISA

IDFC First Wealth

Annual

₹0

Return

2.5%

Lounges

20

Forex

1.5%

Card summary
  • IDFC First Wealth leans travel and lifestyle with ₹0 annual fee, 2.5% headline return potential, and 20 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • 20 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹36,00,000 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

Low ownership cost with upside from recurring spends.

Full card details
ICICI MakeMyTrip Platinum Credit Card
Balanced value4.2

icici / MASTERCARD

ICICI MakeMyTrip Platinum

Annual

₹500

Return

3%

Lounges

2

Forex

2.5%

Card summary
  • ICICI MakeMyTrip Platinum leans travel and lifestyle with ₹500 annual fee, 3% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 2 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 Wealth
ICICI MakeMyTrip Platinum
Fees
Annual fee
₹0
₹500
Joining fee
₹0
₹500
Rewards
Cashback rate
0.75%
0.75%
Reward rate
2.5%
3%
Travel
Forex markup
1.5%
2.5%
Domestic lounges
16
2
International lounges
4
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹36,00,000
₹4,00,000

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