American Express Membership Rewards Card vs ICICI Manchester United Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
American Express Membership Rewards Card wins 2 of 8 dimensions with a CardTrail Score of 8.0/10 vs 7.6/10.
American Express Membership Rewards Card
American Express
8.0/10
ICICI Manchester United Signature
ICICI
7.6/10| Feature | American Express Membership Rewards Card | ICICI Manchester United Signature |
|---|---|---|
| CardTrail Score | 8.0/10 | 7.6/10 |
| Annual Fee | ₹4,500 | ₹2,499 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 5% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 8 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa Signature |
When to Choose American Express Membership Rewards Card
- You can meet the fee waiver condition: Spend ₹1.5L in first 90 days for first year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: general, amex-ecosystem
When to Choose ICICI Manchester United Signature
- You can meet the fee waiver condition: Spend ₹2.5L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: general, rewards, lounge
Annual Fee Value Analysis
To break even on American Express Membership Rewards Card's ₹4,500 fee at 0.5% rewards, spend ₹75,000/month.
To break even on ICICI Manchester United Signature's ₹2,499 fee at 0.5% rewards, spend ₹41,650/month.