ICICI Manchester United Signature vs Kotak Privy League Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Kotak Privy League Signature wins 4 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.6/10.
| Feature | ICICI Manchester United Signature | Kotak Privy League Signature |
|---|---|---|
| CardTrail Score | 7.6/10 | 8.2/10 |
| Annual Fee | ₹2,499 | ₹2,500 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 3% | 3% |
| Forex Markup | 3.5% | 2% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose ICICI Manchester United Signature
- You can meet the fee waiver condition: Spend ₹2.5L/year
- Your primary spend is: general, rewards, lounge
When to Choose Kotak Privy League Signature
- You can meet the fee waiver condition: Spend ₹4L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: travel, general
Forex Cost Comparison
On ₹1,00,000 annual international spending: ICICI Manchester United Signature costs ₹4,130 in forex fees vs Kotak Privy League Signature at ₹2,360. You save ₹1,770/year with Kotak Privy League Signature.
Annual Fee Value Analysis
To break even on ICICI Manchester United Signature's ₹2,499 fee at 0.5% rewards, spend ₹41,650/month.
To break even on Kotak Privy League Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.