Federal Bank Signet vs ICICI Manchester United Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Federal Bank Signet Credit Card wins 2 of 8 dimensions with a CardTrail Score of 7.1/10 vs 7.6/10.
| Feature | Federal Bank Signet | ICICI Manchester United Signature |
|---|---|---|
| CardTrail Score | 7.1/10 | 7.6/10 |
| Annual Fee | Free | ₹2,499 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 3% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 1 | 8 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Federal Bank Signet
- You want a lifetime free card with zero annual cost
- Your primary spend is: travel, rewards
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 ICICI Manchester United Signature's ₹2,499 fee at 0.5% rewards, spend ₹41,650/month.
Federal Bank Signet is lifetime free — no break-even needed.