Bpcl Sbi Card Visa Platinum Credit Card vs Makemytrip Icici Bank Signature Credit Card Visa: Which is Better in 2026?

Which is better for rewards?

The Bpcl Sbi Card Visa Platinum Credit Card provides a broad range of reward points across categories such as dining, grocery, movies, and especially fuel purchases at BPCL pumps, including a fuel surcharge waiver. This makes it more rewarding for everyday and fuel-related spends. In contrast, the Makemytrip Icici Bank Signature Credit Card Visa does not list specific reward points accrual but offers milestone My Cash benefits redeemable against travel bookings, which may suit high spenders focused on travel savings. Overall, for direct and diverse reward points, the BPCL SBI card has an edge.

Which is better for travel?

The Makemytrip Icici Bank Signature Credit Card Visa is better suited for travel enthusiasts, offering 2 complimentary domestic airport lounge accesses and a MakeMyTrip Black membership. It also provides welcome and milestone My Cash benefits that can be redeemed for travel bookings, including a holiday voucher. The BPCL SBI card lacks lounge access and travel-specific perks, making the ICICI card more travel-friendly.

Which has lower effective cost?

The BPCL SBI card charges a joining and renewal fee of Rs.499 each, with renewal fee waiver on spending Rs.50,000. It has a high forex markup of 3.5%. The ICICI MakeMyTrip card has a higher joining fee of Rs.2500 but no annual renewal fee, and a significantly lower forex markup of 0.99%. Considering forex and renewal fees, the ICICI card may be more cost-effective for frequent travelers, while the BPCL card could suit users focused on fuel and domestic spends with moderate fees.

Fuel Surcharge Waiver Specificity

The BPCL SBI card offers a 1% fuel surcharge waiver specifically on BPCL petrol pumps, aligning well with users loyal to BPCL fuel stations. The ICICI MakeMyTrip card provides a 1% waiver on HPCL fuel transactions, which may be preferable for users who frequent HPCL stations. This distinction can influence choice based on preferred fuel brands.

Forex Markup Charges

The BPCL SBI card has a relatively high forex markup of 3.5%, which could increase costs on foreign currency transactions. In contrast, the ICICI MakeMyTrip card charges only 0.99%, making it more cost-effective for international travel and foreign spends.

Milestone Rewards

Makemytrip Icici Bank Signature Credit Card Visa offers milestone My Cash rewards on annual spends of Rs.2.5 Lakhs and Rs.5 Lakhs, which can be redeemed for travel bookings. The BPCL SBI card does not provide milestone benefits, making the ICICI card more rewarding for high spenders focused on travel.

Who should pick Bpcl Sbi Card Visa Platinum Credit Card?

Consider Bpcl Sbi Card Visa Platinum Credit Card if you want a credit card that rewards everyday spending categories like dining, groceries, movies, and especially fuel purchases at BPCL petrol pumps. It is suitable for users looking for fuel surcharge waivers and moderate joining and renewal fees with a waiver option. This card is a practical choice for those who want consistent reward points across multiple categories without focusing primarily on travel.

Who should pick Makemytrip Icici Bank Signature Credit Card Visa?

Consider Makemytrip Icici Bank Signature Credit Card Visa if you prioritize travel benefits such as complimentary domestic airport lounge access and exclusive MakeMyTrip memberships. It is ideal for frequent travelers who can leverage milestone My Cash rewards and welcome travel vouchers. Despite a higher joining fee, the absence of an annual fee and lower forex markup make it attractive for those focused on travel bookings and international spends.