Side-by-side · honest numbers
ICICI Bank MakeMyTrip Credit Card vs OneCard Metal Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, OneCard Metal Credit Card, Standard Chartered Smart 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of ICICI Bank MakeMyTrip Credit Card by about ₹60/yr.
| Feature | ICICI Bank MakeMyTrip Credit Card ICICI Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| 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 | ₹15,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,900/yr | ₹3,960/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — | — |
| Top reward rate | 10X reward points | 1% cashback | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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.
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
Standard Chartered Smart Card
Standard Chartered
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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| 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 | ₹15,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,900/yr | ₹3,960/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — | — |
| Top reward rate | 10X reward points | 1% cashback | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | — |
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https://cardhungry.com/in/en/compare/icici-makemytrip-vs-onecard-vs-sc-smartMore ICICI Bank MakeMyTrip Credit Card comparisons
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