Which card has the lower annual fee?

IDFC FIRST Select Credit Card 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?

IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.

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 IDFC FIRST Select Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, IDFC FIRST Select Credit Card, 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 IDFC FIRST Select Credit Card by about ₹1,830/yr.

ICICI Bank MakeMyTrip Credit Card vs IDFC FIRST Select Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	ICICI Bank MakeMyTrip Credit Card ICICI Bank	IDFC FIRST Select Credit Card IDFC FIRST 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	₹30,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹3,900/yr	₹2,070/yr	₹1,770/yr
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	3X reward points	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent	Not stated
Bonuses
Signup bonus	₹1,500	—	—

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST Select Credit Card 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?: IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
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

IDFC FIRST Select Credit Card

IDFC FIRST 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	IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST 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	₹30,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹3,900/yr	₹2,070/yr	₹1,770/yr
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	3X reward points	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent	Not stated
Bonuses
Signup bonus	₹1,500	—	—

ICICI Bank MakeMyTrip Credit Card details →IDFC FIRST Select Credit Card 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