- Annual fee ₹999 Waivable at ₹3,00,000 spend
- Forex markup 0.99%
- Domestic lounge 2/quarter
Pairwise comparison
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ICICI Bank MakeMyTrip vs IDBI Bank Winnings RuPay Select Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank MakeMyTrip and the IDBI Bank Winnings RuPay Select. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex ICICI Bank MakeMyTrip upi IDBI Bank Winnings RuPay Select
Quick comparison
Three core metrics- Annual fee ₹899 Waivable at ₹90,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹2 spend in the calendar quarter
Reward earning explained
Per card6 myCash / ₹100 on MakeMyTrip hotel bookings (Hotel bookings on MakeMyTrip plat…
2 pts / ₹100 on General spend (2 Delight Points for every Rs. 100 spent; exclud…
Pick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank MakeMyTrip: ₹999 vs IDBI Bank Winnings RuPay Select: ₹899), forex markup (0.99% vs 3.5%), or lounge access (2/quarter vs 2/quarter).
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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 Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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upi IDBI Bank Winnings RuPay Select wins IDBI Bank Winnings RuPay Select is better for UPI usage
IDBI Bank Winnings RuPay Select is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- MakeMyTrip ICICI Bank: ~₹500/month at base rate
- IDBI Winnings RuPay Select: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | MakeMyTrip ICICI Bank | Winnings RuPay Select IDBI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 1/year vs 2/year | 1/year | 2/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0.99% vs 3.5% | 0.99% | 3.5% |
| Fees | ||
| Annual fee ₹999 vs ₹899 | ₹999 | ₹899 |
| Joining fee ₹999 vs ₹0 | ₹999 | ₹0 |
| Fee waiver spend ₹3,00,000 vs ₹90,000 | ₹3,00,000 | ₹90,000 |
| Rewards | ||
| Points per ₹100 1 pts vs 2 pts | 1 pts | 2 pts |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity Only available for IDBI Winnings RuPay Select | Not specified | 3 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.