1 myCash / ₹100
Strong data Pairwise comparison
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ICICI Bank MakeMyTrip vs SBI Card IRCTC SBI Card Premier Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank MakeMyTrip and the SBI Card IRCTC SBI Card Premier. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick MakeMyTrip for spending abroad.
Pick IRCTC SBI Card Premier for upi.
Head-to-head
Three core metrics- Annual fee MakeMyTrip saves ₹500/yrMakeMyTrip ₹999 Waivable at ₹3,00,000 spendIRCTC SBI Card Premier ₹1,499 Waivable at ₹2,00,000 spend
- Forex markup MakeMyTrip saves ~₹2,510 per ₹1L abroadMakeMyTrip 0.99%IRCTC SBI Card Premier 3.5%
- Domestic lounge MakeMyTrip 8/year (2 per quarter)IRCTC SBI Card Premier 8/year railway
Reward earning explained
Per card0.8 pts / ₹100 · Up to 10 pts / ₹100 on IRCTC
Strong dataPick based on what matters
5 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank MakeMyTrip: ₹999 vs SBI Card IRCTC SBI Card Premier: ₹1,499), forex markup (0.99% vs 3.5%), or lounge access (8/year (2 per quarter) vs 8/year railway).
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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. Domestic lounge access is no airport lounge access.
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Rewards Tie Both cards are similar for rewards
ICICI Bank MakeMyTrip conservative base value ~1% vs SBI Card IRCTC SBI Card Premier's ~0.8%. SBI Card IRCTC SBI Card Premier conservative base value ~0.8% vs ICICI Bank MakeMyTrip's ~1%.
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upi SBI Card IRCTC SBI Card Premier wins SBI Card IRCTC SBI Card Premier is better for UPI usage
SBI Card IRCTC SBI Card Premier 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
- IRCTC SBI Card Premier: ~₹400/month at base rate
Illustrative only, using current base rates before caps.
| Field | MakeMyTrip ICICI Bank | IRCTC SBI Card Premier SBI Card |
|---|---|---|
| Insurance — Air accident cover Only available for MakeMyTrip ICICI Bank | ₹1 crore | Not specified |
| Insurance — Personal accident cover Only available for MakeMyTrip ICICI Bank | ₹1 crore | Not specified |
| Insurance — Lost card liability cover Only available for IRCTC SBI Card Premier | Not specified | ₹1 lakh |
| Insurance — Underwriter Only available for IRCTC SBI Card Premier | Not specified | Insured by ICICI Lombard General Insurance Company Limited |
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 8/year railway | 8/year (2 per quarter) | 8/year railway |
| 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 |
| Annual-fee waiver ₹3,00,000 vs ₹2,00,000 | ₹3,00,000 | ₹2,00,000 |
| Interest-free period Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit Only available for IRCTC SBI Card Premier | Not specified | 1% surcharge waiver · ₹500–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 myCash / ₹100 vs 0.8 pts / ₹100 | 1 myCash / ₹100 | 0.8 pts / ₹100 |
| Conservative base value ~1% vs ~0.8% | ~1% | ~0.8% |
| Earn ceiling Not stated vs 750 points per statement cycle; at 4 pts / ₹100, this lane reaches the cap at ₹18,750 of eligible spend | Not stated | 750 points per statement cycle; at 4 pts / ₹100, this lane reaches the cap at ₹18,750 of eligible spend |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. | ₹1 | ₹1 |
| Point validity Only available for IRCTC SBI Card Premier | Not specified | 2 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 siteSBI Card IRCTC SBI Card Premier
Verify with issuer , opens external site