ICICI MakeMyTrip vs IndiGo SBI ELITE
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
ICICI MakeMyTrip Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.5/10 vs 8.4/10.
| Feature | ICICI MakeMyTrip | IndiGo SBI ELITE |
|---|---|---|
| CardTrail Score | 8.5/10 | 8.4/10 |
| Annual Fee | ₹999 | ₹4,999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 6% | 5% |
| Forex Markup | 1% | 1.99% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 1 | 6 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose ICICI MakeMyTrip
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹990/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 5%
- Your primary spend is: travel, rewards
When to Choose IndiGo SBI ELITE
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: ICICI MakeMyTrip costs ₹1,180 in forex fees vs IndiGo SBI ELITE at ₹2,348. You save ₹1,168/year with ICICI MakeMyTrip.
Annual Fee Value Analysis
To break even on ICICI MakeMyTrip's ₹999 fee at 1% rewards, spend ₹8,325/month.
To break even on IndiGo SBI ELITE's ₹4,999 fee at 1% rewards, spend ₹41,658/month.