Head-to-head · 🇮🇳 India
ICICI MMT Signature vs ICICI Platinum Chip
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI MMT Signature
Wins 5 of 10
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
Verdict
ICICI MMT Signature wins 5-4. MakeMyTrip loyalists — co-branded with strong travel benefits. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | ICICI MMT Signature | ICICI Platinum Chip |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 6% (travel) | · 0.5% (general) |
| Base reward rate | 1.5% | · 0.5% |
| Forex markup | 2.5% | · 3.5% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = No welcome bonus — fee-free for life |
| Fee waiver threshold | ₹600,000 / yr | · N/A (no fee) |
| Min income | · ₹800,000 | ₹200,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.4/5 | · 3.6/5 |
Benefits compared
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›ICICI MMT Signature vs ICICI Platinum Chip: which is better?
ICICI MMT Signature wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI MMT Signature for its best categories, ICICI Platinum Chip for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI MMT Signature: ₹2,500 MMT Black holidays voucher. ICICI Platinum Chip: No welcome bonus — fee-free for life.