MakeMyTrip ICICI Bank Credit Card vs Standard Chartered DigiSmart Credit Card
ICICI Bank · Standard Chartered Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreExcellent
Annual Fee₹999
Max Reward6%
Standard Chartered BankScoreFair
Annual Fee₹588
Max Reward2%
MakeMyTrip ICICI Bank Credit Card leads overall with a CardCheck Score of 81/100 (+23 pts over Standard Chartered DigiSmart Credit Card).
4-Pillar Head-to-Head Breakdown
MakeMyTrip vs StandardReward Power
35%MakeMyTrip34/35
Standard24/35
MakeMyTrip Wins
Fee Value & ROI
25%MakeMyTrip20/25
Standard18/25
MakeMyTrip Wins
Lounge & Travel
20%MakeMyTrip15/20
Standard4/20
MakeMyTrip Wins
Forex & Access
20%MakeMyTrip12/20
Standard12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 81Best
- 58
- Rating Verdict
- Excellent
- Fair
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 20/25
- 18/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- Standard Chartered Bank
- Network
- Mastercard
- Visa
- Card type
- Co-branded
- Regular
- Best for
- MakeMyTrip bookings — domestic flights, hotels & holiday packages
- Digital lifestyle — discounts on Myntra, Zomato, Swiggy, BigBasket, Hotstar
03—Fees
- Joining fee
- ₹999
- FreeBest
- Annual fee
- ₹999
- ₹588Best
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50Best
- 48
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%Best
- 3.75%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 6%Best
- 2%
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
- ₹25,000
- Min CIBIL
- 720
- 700Best
- Invite only
Rows won
06of 09
03of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81Best | 58 |
| Rating Verdict | Excellent | Fair |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 20/25 | 18/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | Standard Chartered Bank |
| Network | Mastercard | Visa |
| Card type | Co-branded | Regular |
| Best for | MakeMyTrip bookings — domestic flights, hotels & holiday packages | Digital lifestyle — discounts on Myntra, Zomato, Swiggy, BigBasket, Hotstar |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | FreeBest |
| Annual fee | ₹999 | ₹588Best |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50Best | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5%Best | 3.75% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 6%Best | 2% |
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 | ₹25,000 |
| Min CIBIL | 720 | 700Best |
| Invite only | ||
| Rows won | 06of 09 | 03of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | MakeMyTrip ICICI Bank Credit Card | Standard Chartered DigiSmart Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 58/100Fair |
| Annual Fee | ₹999 | ₹588 |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 6% | 2% |
| 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 Standard Chartered DigiSmart Credit Card if:
Your spending aligns with digital lifestyle — discounts on myntra, zomato, swiggy, bigbasket, hotstar and you prioritize Standard Chartered Bank's redemption benefits.
Frequently asked questions: MakeMyTrip ICICI Bank Credit Card vs Standard Chartered DigiSmart Credit Card
- Which is better: MakeMyTrip ICICI Bank Credit Card or Standard Chartered DigiSmart Credit Card?
- MakeMyTrip ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 58/100 (Fair) for Standard Chartered DigiSmart Credit Card (a lead of +23 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, Standard Chartered DigiSmart Credit Card charges an annual fee of ₹588 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between MakeMyTrip ICICI Bank Credit Card and Standard Chartered DigiSmart Credit Card?
- MakeMyTrip ICICI Bank Credit Card offers a base reward rate of 1% and up to 6% on accelerated partner categories. Meanwhile, Standard Chartered DigiSmart Credit Card offers a base rate of 1% and up to 2% 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 Standard Chartered DigiSmart 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, Standard Chartered DigiSmart 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 Standard Chartered DigiSmart 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).