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SBI IndiGo vs ICICI MakeMyTrip Signature

Compare SBI IndiGo 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

ICICI MakeMyTrip Signature leads on reward rate, while SBI IndiGo has the lowest annual fee.

Card 1

SBI IndiGo

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2

Card 2

ICICI MakeMyTrip Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.0
SBI IndiGo Credit Card
Balanced value5.2

sbi / VISA

SBI IndiGo

Annual

₹1,499

Return

3%

Lounges

6

Forex

3.5%

Card summary
  • SBI IndiGo leans travel and lifestyle with ₹1,499 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,499 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 3.5% 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
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
SBI IndiGo
ICICI MakeMyTrip Signature
Fees
Annual fee
₹1,499
₹2,500
Joining fee
₹1,499
₹2,500
Rewards
Cashback rate
1%
1%
Reward rate
3%
4%
Travel
Forex markup
3.5%
2.5%
Domestic lounges
4
6
International lounges
2
4
Benefits
Fuel waiver
Yes
Yes
Dining
No
No
Movies
No
No
Eligibility
Minimum income
₹6,00,000
₹8,00,000

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