Head-to-head · 🇮🇳 India
ICICI Sapphiro vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 0 of 10
IN
ICICI Bank
ICICI MMT Signature
Wins 8 of 10
Verdict
ICICI MMT Signature wins 8-0. MakeMyTrip loyalists — co-branded with strong travel benefits. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | ICICI MMT Signature |
|---|---|---|
| Annual fee | · ₹3,500 | ₹2,500 |
| Joining fee | · ₹6,500 | ₹2,500 |
| Top reward rate | · 1% (general) | 6% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3.5% | 2.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | = ₹600,000 / yr | = ₹600,000 / yr |
| Min income | · ₹1,000,000 | ₹800,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
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
FAQ
›ICICI Sapphiro vs ICICI MMT Signature: which is better?
ICICI MMT Signature wins on more dimensions (8 vs 0). 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 Sapphiro for its best categories, ICICI MMT Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Sapphiro: 10,000 reward points worth ₹2,500. ICICI MMT Signature: ₹2,500 MMT Black holidays voucher.