MakeMyTrip ICICI Bank Credit Card vs OLA Money SBI Credit Card
ICICI Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreExcellent
Annual Fee₹999
Max Reward6%
SBI CardScoreVery Good
Annual Fee₹499
Max Reward7%
MakeMyTrip ICICI Bank Credit Card leads overall with a CardCheck Score of 81/100 (+6 pts over OLA Money SBI Credit Card).
4-Pillar Head-to-Head Breakdown
MakeMyTrip vs OLAReward Power
35%MakeMyTrip34/35
OLA35/35
OLA Wins
Fee Value & ROI
25%MakeMyTrip20/25
OLA24/25
OLA Wins
Lounge & Travel
20%MakeMyTrip15/20
OLA4/20
MakeMyTrip Wins
Forex & Access
20%MakeMyTrip12/20
OLA12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 81Best
- 75
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 20/25
- 24/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- SBI Card
- Network
- Mastercard
- Mastercard
- Card type
- Co-branded
- Co-branded
- Best for
- MakeMyTrip bookings — domestic flights, hotels & holiday packages
- OLA frequent riders — 7% cashback on OLA rides into OLA Money wallet
03—Fees
- Joining fee
- ₹999
- FreeBest
- Annual fee
- ₹999
- ₹499Best
- Fee waiver
- ₹2,00,000
- ₹1,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 6%
- 7%Best
- Monthly cap
- —
- ₹500
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Intl lounge / year
- 1Best
- 0
- 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
- ₹20,000
- Min CIBIL
- 720
- 680Best
- Invite only
Rows won
04of 09
05of 09
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81Best | 75 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 20/25 | 24/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | SBI Card |
| Network | Mastercard | Mastercard |
| Card type | Co-branded | Co-branded |
| Best for | MakeMyTrip bookings — domestic flights, hotels & holiday packages | OLA frequent riders — 7% cashback on OLA rides into OLA Money wallet |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | FreeBest |
| Annual fee | ₹999 | ₹499Best |
| Fee waiver | ₹2,00,000 | ₹1,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| 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% | 1% |
| Max rate | 6% | 7%Best |
| Monthly cap | — | ₹500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Intl lounge / year | 1Best | 0 |
| 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 | ₹20,000 |
| Min CIBIL | 720 | 680Best |
| Invite only | ||
| Rows won | 04of 09 | 05of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | MakeMyTrip ICICI Bank Credit Card | OLA Money SBI Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 75/100Very Good |
| Annual Fee | ₹999 | ₹499 |
| Fee Waiver Spend | ₹2L/yr | ₹1L/yr |
| Max Reward Potential | 6% | 7% |
| Domestic Lounge Access | 2 / quarter | None |
| 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 OLA Money SBI Credit Card if:
Your spending aligns with ola frequent riders — 7% cashback on ola rides into ola money wallet and you prioritize SBI Card's redemption benefits.
Frequently asked questions: MakeMyTrip ICICI Bank Credit Card vs OLA Money SBI Credit Card
- Which is better: MakeMyTrip ICICI Bank Credit Card or OLA Money SBI Credit Card?
- MakeMyTrip ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 75/100 (Very Good) for OLA Money SBI Credit Card (a lead of +6 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, OLA Money SBI Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between MakeMyTrip ICICI Bank Credit Card and OLA Money SBI Credit Card?
- MakeMyTrip ICICI Bank Credit Card offers a base reward rate of 1% and up to 6% on accelerated partner categories. Meanwhile, OLA Money SBI Credit Card offers a base rate of 1% and up to 7% 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 OLA Money SBI 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, OLA Money SBI Credit Card provides no complimentary domestic lounge access. 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 OLA Money SBI 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).