ICICI Bangalore Metro MasterCard Platinum DC vs Makemytrip Icici Bank Signature Credit Card Visa: Which is Better in 2026?
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The ICICI Bangalore Metro MasterCard Platinum DC offers minimal benefits, while the Makemytrip Icici Bank Signature Credit Card Visa provides a range of rewards and travel-focused features. This comparison highlights the differences in rewards, travel perks, and overall value between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | ICICI Bangalore Metro MasterCard Platinum DC | Makemytrip Icici Bank Signature Credit Card Visa |
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.2500 |
| Annual / renewal fee | — | No Annual Fee |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | — |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefit - Get Rs.1500 MakeMyTrip Cash in My Wallet |
| Milestone benefit | — | Spend Rs.5 Lakhs and Earn 4000 My Cash Per Anniversary Year; Spend Rs.2.5 Lakhs and Earn 1100 My Cash Per Anniversary Year |
| Foreign currency markup | — | 0.99% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Makemytrip Icici Bank Signature Credit Card Visa is clearly superior. It offers welcome benefits, milestone rewards, and a structured rewards system that allows cardholders to earn My Cash for travel-related expenses. In contrast, the ICICI Bangalore Metro MasterCard Platinum DC provides no rewards or cashback options, making it less appealing for those seeking to earn benefits from their spending.
Which is better for travel?
When it comes to travel benefits, the Makemytrip Icici Bank Signature Credit Card Visa stands out with its complimentary airport lounge access and the ability to earn My Cash for travel bookings. The ICICI Bangalore Metro MasterCard Platinum DC lacks any travel-related perks, making it less suitable for frequent travelers looking for added value.
Which has lower effective cost?
Both cards have a low fee structure, but the Makemytrip Icici Bank Signature Credit Card Visa has a joining fee of Rs.2500 while offering no annual fee thereafter. The ICICI Bangalore Metro MasterCard Platinum DC does not specify any fees, making it potentially more appealing for those who prefer a straightforward cost structure. However, the lack of benefits in the latter may not justify its use.
Who should pick ICICI Bangalore Metro MasterCard Platinum DC?
Consider ICICI Bangalore Metro MasterCard Platinum DC if you prefer a card with no specified fees and minimal complexity. This card may be suitable for beginners who want a straightforward credit card experience without the pressure of earning rewards.
Who should pick Makemytrip Icici Bank Signature Credit Card Visa?
Consider Makemytrip Icici Bank Signature Credit Card Visa if you are a frequent traveler or someone who often books through MakeMyTrip. The card's rewards structure and travel benefits provide significant value, especially for those who can meet the spending milestones to earn additional My Cash.
Frequently Asked Questions
No, it does not offer any rewards or cashback options.
It includes 2 complimentary airport lounge accesses and the ability to earn My Cash for travel bookings.
No, there is no annual fee after the initial joining fee of Rs.2500.
The forex markup is 0.99% for foreign currency transactions.