ICICI MakeMyTrip vs SBI IRCTC Premier
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 8.3/10.
| Feature | ICICI MakeMyTrip | SBI IRCTC Premier |
|---|---|---|
| CardTrail Score | 8.5/10 | 8.3/10 |
| Annual Fee | ₹999 | ₹1,499 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 6% | 10% |
| Forex Markup | 1% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 1 | 0 |
| 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 ₹2,500/year on ₹1L forex spend
- Your primary spend is: travel, rewards
When to Choose SBI IRCTC Premier
- You can meet the fee waiver condition: Rs.2 lakh annual spend
- You want higher rewards — up to 10% vs 6%
- Your primary spend is: travel, railways
Forex Cost Comparison
On ₹1,00,000 annual international spending: ICICI MakeMyTrip costs ₹1,180 in forex fees vs SBI IRCTC Premier at ₹4,130. You save ₹2,950/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 SBI IRCTC Premier's ₹1,499 fee at 1% rewards, spend ₹12,492/month.