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Comparison · हिन्दी

ICICI Coral vs ICICI MakeMyTrip

Both cards compared on real rupee returns for ICICI Coral vs MakeMyTrip which better credit card India. We ran the numbers so you can make the right call.

Last updated: September 2026 · Based on current card terms
ICICI
CORAL
ASHOK KUMAR
VS
ICICI
MAKEMYTRIP
ASHOK KUMAR
Our verdict
MakeMyTrip ICICI Bank Credit Card wins for most people
Card B wins decisively with ₹3,081 annual benefit versus Card A's ₹400, delivering 7.7x better value. Card B's higher rewards on general spending and travel purchases far outweigh its premium fee for this spend profile.
Side-by-side comparison
ICICI Bank Coral Credit Card MakeMyTrip ICICI Bank Credit Card ✓
Annual benefit ₹400 ₹3,081
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹1,50,000/year spend) ₹999 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2 RP per ₹100 on retail (0.5%); 1 RP per ₹100 on utility/insurance; 1 RP = ₹0.25 6% myCash on MMT hotel bookings; 3% on MMT flights/packages/cabs/bus; 1% on all other spends; 0.99% forex
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic/quarter (on ₹75,000/quarter spend); 1 railway/quarter (no spend condition) 8 domestic visits/year (2 per quarter, spend-conditional); 1 international visit/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 0.99%
Best for Entry-level card for beginners wanting lounge access and movie benefits at low fee Frequent MakeMyTrip users wanting maximum rewards on hotel and flight bookings
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried); ₹2.4L/year (self-employed) ₹25,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
ICICI Bank Coral Credit Card
Card A suits beginners prioritizing minimal financial commitment and lounge access perks over maximum rewards. Choose it if you prefer simplicity and can waive fees through ₹1.5L annual spending.
MakeMyTrip ICICI Bank Credit Card
Card B excels for frequent travelers booking through MakeMyTrip, earning 6% on hotels and 3% on flights. It maximizes rewards across all spending categories, justifying its higher fee through superior returns.
Who should get which card
Get ICICI Bank Coral if you…
· Entry-level cardholders seeking lounge access and movie benefits
· Those uncomfortable with premium credit card fees
· Users focused on simplicity over rewards optimization
Get MakeMyTrip ICICI Bank if you…
· Regular MakeMyTrip users for hotels, flights, and packages
· Travelers wanting 1% rewards on all non-MMT spending
· Those with ₹3L+ annual spend to waive fees
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Related guides
ICICI Bank Coral vs ICICI Bank Rubyx →MakeMyTrip ICICI Bank vs HDFC Regalia Gold →Best Travel Credit Cards →Best Cashback Credit Cards →Best Lifetime Free Credit Cards →
Frequently asked questions
Based on our analysis, MakeMyTrip ICICI Bank Credit Card offers better annual returns for most spend profiles.
ICICI Bank Coral Credit Card has an annual fee of ₹500 + taxes (waived on ₹1,50,000/year spend). MakeMyTrip ICICI Bank Credit Card has an annual fee of ₹999 + taxes (waived on ₹3,00,000/year spend).
ICICI Bank Coral Credit Card offers 2 RP per ₹100 on retail (0.5%); 1 RP per ₹100 on utility/insurance; 1 RP = ₹0.25. MakeMyTrip ICICI Bank Credit Card offers 6% myCash on MMT hotel bookings; 3% on MMT flights/packages/cabs/bus; 1% on all other spends; 0.99% forex.
ICICI Bank Coral Credit Card lounge access: 1 domestic/quarter (on ₹75,000/quarter spend); 1 railway/quarter (no spend condition). MakeMyTrip ICICI Bank Credit Card lounge access: 8 domestic visits/year (2 per quarter, spend-conditional); 1 international visit/year.
ICICI Bank Coral Credit Card charges 3.5% forex markup. MakeMyTrip ICICI Bank Credit Card charges 0.99% forex markup.