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Feature	SBI Card Tata Neu Infinity SBI Card	ICICI Bank MakeMyTrip ICICI Bank Credit Card
Card essentials Start with pricing, network and the baseline earning rate.
Issuer	SBI Card	ICICI Bank
Network	RuPay	Mastercard + RuPay
Annual fee	₹1,499 + GST per year	₹999 + GST per year
Annual fee waiver	At ₹3,00,000 annual spending	At ₹3,00,000 annual spending
Base reward rate	1.5%	1%
Limits and access Check caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	No general cap recorded
RuPay credit card on UPI	Eligible for merchant UPI payments	Eligible for merchant UPI payments
Airport lounge access	8 domestic airport lounge visits per year • 4 international airport lounge visits per year	8 domestic airport lounge visits per year • 1 international airport lounge visit per year
Forex markup	2.0%	1.0%
Monthly income requirement	Approx. ₹50,000/month	Approx. ₹20,000/month salaried · ₹20,000/month self-employed
Terms verified	21 Sept 2026	23 Sept 2026
Best suited to	SBI customers who shop in the Tata ecosystem and want a RuPay card for UPI plus airport lounge access.	MakeMyTrip users who want low forex, UPI and occasional lounge access in one card package.
Main trade-off	NeuCoins are only fully valuable inside the Tata ecosystem (BigBasket, Croma, 1mg, Taj, Air India): redemption elsewhere is weaker.	myCash is spendable only through MakeMyTrip and cannot be transferred to a bank account. Domestic lounge and movie offers require preceding-quarter spend, and the renewal waiver needs ₹3 lakh annually.
Actions	Full analysis Apply ↗	Full analysis Apply ↗

Comparison11 decision pointsScan across each row to compare like for like.	SBI CardTata Neu Infinity SBI Card Mid · RuPay	ICICI BankMakeMyTrip ICICI Bank Credit Card Mid · Mastercard + RuPay
Card essentialsStart with pricing, network and the baseline earning rate.
Issuer	SBI Card	ICICI Bank
Network	RuPay	Mastercard + RuPay
Annual fee	₹1,499 + GST per year	₹999 + GST per year
Annual fee waiver	At ₹3,00,000 annual spending	At ₹3,00,000 annual spending
Base reward rate	1.5%	1%
Limits and accessCheck caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	No general cap recorded
RuPay credit card on UPI	Eligible for merchant UPI payments	Eligible for merchant UPI payments
Airport lounge access	8 domestic airport lounge visits per year • 4 international airport lounge visits per year	8 domestic airport lounge visits per year • 1 international airport lounge visit per year
Forex markup	2.0%	1.0%
Monthly income requirement	Approx. ₹50,000/month	Approx. ₹20,000/month salaried · ₹20,000/month self-employed
Terms verified	21 Sept 2026	23 Sept 2026

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Tata Neu Infinity SBI Card

SBI customers who shop in the Tata ecosystem and want a RuPay card for UPI plus airport lounge access.

Main trade-off

NeuCoins are only fully valuable inside the Tata ecosystem (BigBasket, Croma, 1mg, Taj, Air India): redemption elsewhere is weaker.

Full analysis →Apply ↗

MakeMyTrip ICICI Bank Credit Card

MakeMyTrip users who want low forex, UPI and occasional lounge access in one card package.

Main trade-off

myCash is spendable only through MakeMyTrip and cannot be transferred to a bank account. Domestic lounge and movie offers require preceding-quarter spend, and the renewal waiver needs ₹3 lakh annually.

Full analysis →Apply ↗