- 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 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.
Forex ICICI Bank MakeMyTrip upi SBI Card IRCTC SBI Card Premier
Quick comparison
Three core metrics- Annual fee ₹1,499 Waivable at ₹2,00,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year railway
Reward earning explained
Per card6 myCash / ₹100 on MakeMyTrip hotel bookings (Hotel bookings on MakeMyTrip plat…
10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back on AC1, AC2 and AC Chai…
Pick based on what matters
4 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 (2/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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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: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | MakeMyTrip ICICI Bank | IRCTC SBI Card Premier SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 8/year railway | 2/quarter | 8/year railway |
| International lounge visits Only available for MakeMyTrip ICICI Bank | 1/year | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0.99% vs 3.5% | 0.99% | 3.5% |
| Fees | ||
| Annual fee ₹999 vs ₹1,499 | ₹999 | ₹1,499 |
| Joining fee ₹999 vs ₹1,499 | ₹999 | ₹1,499 |
| Fee waiver spend ₹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 |
| Rewards | ||
| Points per ₹100 | 1 pts | 1 pts |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. | ₹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.