HDFC InterMiles Signature vs ICICI MakeMyTrip
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
ICICI MakeMyTrip Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.5/10 vs 8.4/10.
| Feature | HDFC InterMiles Signature | ICICI MakeMyTrip |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.5/10 |
| Annual Fee | ₹2,500 | ₹999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 6% | 6% |
| Forex Markup | 2% | 1% |
| Domestic Lounges | 16 | 8 |
| International Lounges | 5 | 1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: travel, miles
When to Choose ICICI MakeMyTrip
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹1,000/year on ₹1L forex spend
- Your primary spend is: travel, rewards
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC InterMiles Signature costs ₹2,360 in forex fees vs ICICI MakeMyTrip at ₹1,180. You save ₹1,180/year with ICICI MakeMyTrip.
Annual Fee Value Analysis
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.
To break even on ICICI MakeMyTrip's ₹999 fee at 1% rewards, spend ₹8,325/month.