ICICI MMT Signature vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 5-4. MakeMyTrip loyalists — co-branded with strong travel benefits. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | ICICI MMT Signature | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹2,500 | · ₹4,999 |
| Joining fee | ₹2,500 | · ₹4,999 |
| Top reward rate | · 6% (travel) | 8% (travel) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | · 2.5% | 1.99% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = 20,000 Air India reward points |
| Fee waiver threshold | · ₹600,000 / yr | ₹500,000 / yr |
| Min income | ₹800,000 | · ₹1,200,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›ICICI MMT Signature vs SBI Air India Signature: 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, SBI Air India Signature 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. SBI Air India Signature: 20,000 Air India reward points.