1 myCash / ₹100
Strong data 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.
The short answer
VerdictPick MakeMyTrip for spending abroad.
Pick Winnings RuPay Select for upi.
Head-to-head
Three core metrics- Annual fee Winnings RuPay Select saves ₹100/yrMakeMyTrip ₹999 Waivable at ₹3,00,000 spendWinnings RuPay Select ₹899 Waivable at ₹90,000 spend
- Forex markup MakeMyTrip saves ~₹2,510 per ₹1L abroadMakeMyTrip 0.99%Winnings RuPay Select 3.5%
- Domestic lounge MakeMyTrip 8/year (2 per quarter)Winnings RuPay Select 8/year (2 per quarter)
Reward earning explained
Per card2 pts / ₹100
Strong dataPick based on what matters
5 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 (8/year (2 per quarter) vs 8/year (2 per 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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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: ICICI Bank MakeMyTrip conservative base value ~1% per ₹100. IDBI Bank Winnings RuPay Select is not safely INR-comparable (no usable point value).
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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: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | MakeMyTrip ICICI Bank | Winnings RuPay Select IDBI Bank |
|---|---|---|
| Insurance — Air accident cover ₹1 crore vs ₹10 lakh | ₹1 crore | ₹10 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) | 8/year (2 per quarter) |
| International lounge visits 1 per year vs 4 per year | 1 per year | 4 per year |
| 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 ₹899 | ₹999 | ₹899 |
| Annual-fee waiver ₹3,00,000 vs ₹90,000 | ₹3,00,000 | ₹90,000 |
| Monthly interest rate 3.75% / month vs 3.4% / month | 3.75% / month | 3.4% / month |
| Fuel benefit Only available for IDBI Winnings RuPay Select | Not specified | 1% surcharge waiver · ₹400–₹4,000 transactions |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 myCash / ₹100 vs 2 pts / ₹100 | 1 myCash / ₹100 | 2 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 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.
ICICI Bank MakeMyTrip
Verify with issuer , opens external siteIDBI Bank Winnings RuPay Select
Verify with issuer , opens external site