ICICI MMT Signature vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 5-2. MakeMyTrip loyalists — co-branded with strong travel benefits. Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | ICICI MMT Signature | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 6% (travel) | · 4% (dining) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | · 2.5% | 1.99% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | = ₹600,000 / yr | = ₹600,000 / yr |
| Min income | ₹800,000 | · ₹1,800,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
FAQ
›ICICI MMT Signature vs Kotak White Reserve: which is better?
ICICI MMT Signature wins on more dimensions (5 vs 2). 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, Kotak White Reserve 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. Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.