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?

YES ACE Credit Card leads with an estimated ₹4,451/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.

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 YES ACE Credit Card

Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, ICICI Platinum Chip, YES ACE Credit Card — 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, YES ACE Credit Card ranks first for estimated net annual value — ahead of ICICI Bank MakeMyTrip Credit Card by about ₹551/yr.

ICICI Bank MakeMyTrip Credit Card vs ICICI Platinum Chip vs YES ACE Credit Card comparison table
Feature	ICICI Bank MakeMyTrip Credit Card ICICI Bank	ICICI Platinum Chip ICICI Bank	YES ACE Credit Card YES Bank
Fees & eligibility
Annual fee	₹999	Lifetime free	₹499
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	No waiver published
Min income	₹35,000/mo	₹18,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	-₹142/yr	₹4,451/yr
Fuel	—	—	4% cashback → ₹160/mo (₹1,920/yr)
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	1 RP/₹150	4% cashback
Primary reward cap	No monthly cap published	No monthly cap published	₹1,000 eligible spend/mo
Perks & restrictions
Lounge access	None	None	Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel	EMI · Rent
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?: YES ACE Credit Card leads with an estimated ₹4,451/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.
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

YES ACE Credit Card

YES Bank

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	YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank
Fees & eligibility
Annual fee	₹999	Lifetime free	₹499
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	No waiver published
Min income	₹35,000/mo	₹18,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	-₹142/yr	₹4,451/yr
Fuel	—	—	4% cashback → ₹160/mo (₹1,920/yr)
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	1 RP/₹150	4% cashback
Primary reward cap	No monthly cap published	No monthly cap published	₹1,000 eligible spend/mo
Perks & restrictions
Lounge access	None	None	Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel	EMI · Rent
Bonuses
Signup bonus	₹1,500	—	—

ICICI Bank MakeMyTrip Credit Card details →ICICI Platinum Chip details →YES ACE Credit Card 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