MakeMyTrip ICICI Bank Credit Card vs PVR INOX Kotak Credit Card
ICICI Bank · Kotak Mahindra Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreExcellent
Annual Fee₹999
Max Reward6%
Kotak Mahindra BankScoreBasic
Annual Fee₹499
Max RewardStandard
MakeMyTrip ICICI Bank Credit Card leads overall with a CardCheck Score of 81/100 (+32 pts over PVR INOX Kotak Credit Card).
4-Pillar Head-to-Head Breakdown
MakeMyTrip vs PVRReward Power
35%MakeMyTrip34/35
PVR15/35
MakeMyTrip Wins
Fee Value & ROI
25%MakeMyTrip20/25
PVR22/25
PVR Wins
Lounge & Travel
20%MakeMyTrip15/20
PVR4/20
MakeMyTrip Wins
Forex & Access
20%MakeMyTrip12/20
PVR8/20
MakeMyTrip Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 81Best
- 49
- Rating Verdict
- Excellent
- Basic
- Reward Power (35%)
- 34/35
- 15/35
- Fee Value & ROI (25%)
- 20/25
- 22/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- ICICI Bank
- Kotak Mahindra Bank
- Network
- Mastercard
- —
- Card type
- Co-branded
- Co-branded
- Best for
- MakeMyTrip bookings — domestic flights, hotels & holiday packages
- movie lovers
03—Fees
- Joining fee
- ₹999
- FreeBest
- Annual fee
- ₹999
- ₹499Best
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50
- 51Best
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- —
- Max rate
- 6%
- —
- Monthly cap
- —
- ₹300
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Intl lounge / year
- 1
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹25,000
- —
- Min CIBIL
- 720
- —
- Invite only
Rows won
04of 07
03of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81Best | 49 |
| Rating Verdict | Excellent | Basic |
| Reward Power (35%) | 34/35 | 15/35 |
| Fee Value & ROI (25%) | 20/25 | 22/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | Kotak Mahindra Bank |
| Network | Mastercard | — |
| Card type | Co-branded | Co-branded |
| Best for | MakeMyTrip bookings — domestic flights, hotels & holiday packages | movie lovers |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | FreeBest |
| Annual fee | ₹999 | ₹499Best |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50 | 51Best |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 42%Best | 45% |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | — |
| Max rate | 6% | — |
| Monthly cap | — | ₹300 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Intl lounge / year | 1 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹25,000 | — |
| Min CIBIL | 720 | — |
| Invite only | ||
| Rows won | 04of 07 | 03of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | MakeMyTrip ICICI Bank Credit Card | PVR INOX Kotak Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 49/100Basic |
| Annual Fee | ₹999 | ₹499 |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 6% | Standard |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | 1 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose MakeMyTrip ICICI Bank Credit Card if:
Your spending centers around makemytrip bookings — domestic flights, hotels & holiday packages and you want direct partner rewards with ICICI Bank.
Choose PVR INOX Kotak Credit Card if:
Your spending aligns with movie lovers and you prioritize Kotak Mahindra Bank's redemption benefits.
Frequently asked questions: MakeMyTrip ICICI Bank Credit Card vs PVR INOX Kotak Credit Card
- Which is better: MakeMyTrip ICICI Bank Credit Card or PVR INOX Kotak Credit Card?
- MakeMyTrip ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 49/100 (Basic) for PVR INOX Kotak Credit Card (a lead of +32 points). MakeMyTrip ICICI Bank Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- MakeMyTrip ICICI Bank Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, PVR INOX Kotak Credit Card charges an annual fee of ₹499 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between MakeMyTrip ICICI Bank Credit Card and PVR INOX Kotak Credit Card?
- MakeMyTrip ICICI Bank Credit Card offers a base reward rate of 1% and up to 6% on accelerated partner categories. Meanwhile, PVR INOX Kotak Credit Card offers a base rate of standard and up to accelerated on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: MakeMyTrip ICICI Bank Credit Card or PVR INOX Kotak Credit Card?
- MakeMyTrip ICICI Bank Credit Card provides 2 domestic lounge visit(s) per quarter and 1 international lounge visit(s)/yr. On the other hand, PVR INOX Kotak Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- MakeMyTrip ICICI Bank Credit Card levies a foreign currency markup fee of 3.5%, while PVR INOX Kotak Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).