ICICI Manchester United Signature vs Kotak Zen
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Kotak Zen Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.6/10.
| Feature | ICICI Manchester United Signature | Kotak Zen |
|---|---|---|
| CardTrail Score | 7.6/10 | 7.9/10 |
| Annual Fee | ₹2,499 | ₹1,500 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 3% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 3 |
| 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 Zen
- You can meet the fee waiver condition: Spend ₹1.5L/year
- Your primary spend is: general, value
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 Zen's ₹1,500 fee at 1% rewards, spend ₹12,500/month.