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MakeMyTrip ICICI Bank Signature Credit Card Vs. Yatra SBI RuPay Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

Yatra SBI RuPay Credit Card

Yatra SBI RuPay Credit Card

Comparison of MakeMyTrip ICICI Bank Signature Credit Card and Yatra SBI RuPay Credit Card

Feature
MakeMyTrip ICICI Bank Signature Credit Card
Yatra SBI RuPay Credit Card
Annual Fee
Nil
₹499 + Taxes
Joining Fee
2,500 + GST
₹499 + Taxes
Welcome Benefits
Receive 1,500 MyCash upon payment of the one-time joining fee.
Vouchers worth ₹8,250
Interest Rate (APR)
N/A
Up to 3.50% per month or 42% per annum
Foreign Currency Markup
N/A
N/A
Key Highlights
  • •Exclusive Travel Rewards
  • •Premium Membership
  • •Welcome Gift
  • •Milestone Benefits
  • •Lounge Access
  • •Significant Activation Benefit
  • •Flat Discounts on Travel
  • •Accelerated Rewards
  • •Low Annual Fee & Easy Waiver
Dos
  • Use the card for all travel bookings on MakeMyTrip to maximise MyCash rewards.
  • Pay the full statement balance by the due date to avoid high finance charges.
  • Actively redeem MyCash towards travel.
  • Utilise the 1% fuel surcharge waiver benefit regularly at eligible HPCL stations.
  • Leverage the MMTBLACK Platinum perks like upgrades and special offers during hotel stays.
  • Utilise the card for all eligible flight and hotel bookings on Yatra.com.
  • Use the card predominantly to ensure the renewal fee of ₹499 is waived off.
  • Pay the entire bill amount by the due date to avoid the high finance charges.
  • Monitor the voucher expiry dates for the ₹8,250 welcome benefit and other milestone vouchers.
Don'ts
  • Avoid using the card for cash advances as this incurs high fees and finance charges immediately.
  • Ignore the minimum spend requirements for domestic lounge access, which would result in forfeited access.
  • Share your card details or PIN with any untrusted sources or through non-secure communication channels.
  • Miss the payment due dates, as this can lead to substantial late payment fees and negatively impact your credit history.
  • Use the card for commercial or business purposes, as it is intended for personal expenditure only.
  • Accumulate large balances on the card, as the interest rate on extended credit is high (up to 42% p.a.).
  • Use the card for cash advances at an ATM, as this incurs a high fee (2.5% or ₹500, whichever is higher) and immediate interest charges.
  • Ignore the reward point cap; once the monthly 5,000-point limit is reached, spending in those categories only earns the base 1X rate.
  • Fail to read the fine print on the foreign currency mark-up (3.5%) before using the card for significant international transactions.

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