Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

ICICI Bank MakeMyTrip Credit Card vs ICICI Platinum Chip vs SBI Card against Fixed Deposit

Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, ICICI Platinum Chip, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹2,130/yr.

ICICI Bank MakeMyTrip Credit Card vs ICICI Platinum Chip vs SBI Card against Fixed Deposit comparison table
Feature	ICICI Bank MakeMyTrip Credit Card ICICI Bank	ICICI Platinum Chip ICICI Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹35,000/mo	₹18,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹3,900/yr	-₹142/yr	₹1,770/yr
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	1 RP/₹150	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel	Not stated
Bonuses
Signup bonus	₹1,500	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

ICICI Bank MakeMyTrip Credit Card

ICICI Bank

Card 2

ICICI Platinum Chip

ICICI Bank

Card 3

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature	ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹35,000/mo	₹18,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹3,900/yr	-₹142/yr	₹1,770/yr
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	1 RP/₹150	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel	Not stated
Bonuses
Signup bonus	₹1,500	—	—

ICICI Bank MakeMyTrip Credit Card details →ICICI Platinum Chip details →SBI Card against Fixed Deposit details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Bank MakeMyTrip Credit Card comparisons