1 myCash / ₹100
Strong data Pairwise comparison
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ICICI Bank MakeMyTrip vs IDBI Bank Euphoria World Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank MakeMyTrip and the IDBI Bank Euphoria World. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick MakeMyTrip for spending abroad.
Pick Euphoria World for lounge access.
Head-to-head
Three core metrics- Annual fee MakeMyTrip saves ₹500/yrMakeMyTrip ₹999 Waivable at ₹3,00,000 spendEuphoria World ₹1,499 Waivable at Above ₹1,50,000 spend
- Forex markup MakeMyTrip saves ~₹2,510 per ₹1L abroadMakeMyTrip 0.99%Euphoria World 3.5%
- Domestic lounge Euphoria World: +4 lounge visits/yrMakeMyTrip 8/year (2 per quarter)Euphoria World 12/year
Reward earning explained
Per card3 pts / ₹100 · Up to 6 pts / ₹100 on Travel
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank MakeMyTrip: ₹999 vs IDBI Bank Euphoria World: ₹1,499), forex markup (0.99% vs 3.5%), or lounge access (8/year (2 per quarter) vs 12/year).
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Travel Insufficient data Insufficient data to compare travel
Only ICICI Bank MakeMyTrip has comparable evidence here. Forex markup is 0.99%.
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Forex markup ICICI Bank MakeMyTrip wins ICICI Bank MakeMyTrip is better for forex
ICICI Bank MakeMyTrip is stronger here. Forex markup is 0.99%.
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Lounge access IDBI Bank Euphoria World wins IDBI Bank Euphoria World is better for lounge access
IDBI Bank Euphoria World is stronger here. IDBI Bank Euphoria World offers 12 domestic lounge visits per year versus 8.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: ICICI Bank MakeMyTrip conservative base value ~1% per ₹100. IDBI Bank Euphoria World is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- MakeMyTrip ICICI Bank: ~₹500/month at base rate
- IDBI Euphoria World: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | MakeMyTrip ICICI Bank | Euphoria World IDBI Bank |
|---|---|---|
| Insurance — Air accident cover ₹1 crore vs ₹25 lakh | ₹1 crore | ₹25 lakh |
| Insurance — Personal accident cover Only available for MakeMyTrip ICICI Bank | ₹1 crore | Not specified |
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 12/year | 8/year (2 per quarter) | 12/year |
| International lounge visits Only available for MakeMyTrip ICICI Bank | 1 per year | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0.99% vs 3.5% | 0.99% | 3.5% |
| Fees | ||
| Recurring annual fee ₹999 vs ₹1,499 | ₹999 | ₹1,499 |
| First-year cost Only available for IDBI Euphoria World | Not specified | ₹0 |
| Annual-fee waiver ₹3,00,000 vs Above ₹1,50,000 | ₹3,00,000 | Above ₹1,50,000 |
| Monthly interest rate 3.75% / month vs 2.9% / month | 3.75% / month | 2.9% / month |
| Fuel benefit Only available for IDBI Euphoria World | Not specified | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 myCash / ₹100 vs 3 pts / ₹100 | 1 myCash / ₹100 | 3 pts / ₹100 |
| Conservative base value ~1% vs Not safely INR-comparable | ~1% | Not safely INR-comparable |
| Earn ceiling | Not stated | Not stated |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for MakeMyTrip ICICI Bank | ₹1 | Not specified |
| Point validity Only available for IDBI Euphoria World | Not specified | 3 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
ICICI Bank MakeMyTrip
Verify with issuer , opens external siteIDBI Bank Euphoria World
Verify with issuer , opens external site