MakeMyTrip ICICI Bank Credit Card vs Utkarsh Small Finance Bank Eternal Credit Card: Comparison Analysis (2026)

From a cardholder's perspective, For MakeMyTrip ICICI Bank Credit Card, the joining fee is Nil and the recurring annual renewal fee is ₹ 999. In contrast, Utkarsh Small Finance Bank Eternal Credit Card charges a joining fee of Nil and an annual fee of ₹ 1,999. In India, annual membership charges for both cards are subject to 18% Goods & Services Tax (GST).

The useful distinction here is simple: Spend-based waivers let you reverse annual renewal charges. For MakeMyTrip ICICI Bank Credit Card, the annual fee is waived by reaching the annual milestone retail spend. For Utkarsh Small Finance Bank Eternal Credit Card, you can get the fee reversed by reaching the annual milestone retail spend. Check your average monthly transactions to confirm which milestone you can reach naturally without overspending.

MakeMyTrip ICICI Bank Credit Card offers Up to 6% myCash on MakeMyTrip, with Earn 6 myCash per ₹100 (6%) on MakeMyTrip hotel bookings. Earn 3 myCash per ₹100 (3%) on MakeMyTrip flights, holiday packages, cabs, and bus bookings. Earn 1 myCash per ₹100 (1%) on other domestic retail spends (excluding fuel and rent). Insurance spends earn 1 myCash per ₹100 (capped at 1,000 myCash/year). 1 myCash = ₹1 on MakeMyTrip.. Meanwhile, Utkarsh Small Finance Bank Eternal Credit Card delivers 1.25% cashback on all eligible transactions, 1% fuel surcharge waiver, with Cashback is credited as statement credit; no cap on total cashback per month. Earn 1.25% on all spends and an additional 1% fuel surcharge waiver on fuel purchases.. If you want hassle-free monthly statement discounts, direct cashback is best; if you plan to redeem for flight tickets or hotel stays, reward point systems often offer higher multiplier returns.

For a practical 2026 decision, For airport lounge access, MakeMyTrip ICICI Bank Credit Card offers 8 complimentary Domestic Airport Lounge visits per year (2 per quarter), while Utkarsh Small Finance Bank Eternal Credit Card does not include complimentary airport lounge visits. Always verify whether either card requires minimum calendar-quarter spends (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock complimentary access vouchers.

Looking specifically at MakeMyTrip ICICI Bank Credit Card vs Utkarsh Small Finance Bank Eternal Credit Card, MakeMyTrip ICICI Bank Credit Card features: "₹1,000 MakeMyTrip Voucher and complimentary MMTBLACK Gold Tier Membership upon payment of the joining fee.". Meanwhile, Utkarsh Small Finance Bank Eternal Credit Card provides: "No intro offer". These introductory gifts help recoup first-year joining costs right away.

From a cardholder's perspective, CardsGuruji's score guidance for MakeMyTrip ICICI Bank Credit Card is 720+; CardsGuruji's score guidance for Utkarsh Small Finance Bank Eternal Credit Card is 650+. This is editorial guidance, not an issuer requirement. Each bank independently evaluates income, employment, existing obligations, repayment history and other criteria; check the current issuer terms, and remember that no score guarantees approval.

The useful distinction here is simple: Yes, holding both cards simultaneously can be a powerful two-card wallet strategy if they serve complementary spend categories (for example, using one card for online shopping and groceries, and the other for utility bills, travel, or fuel). If both cards are issued by different banks, each bank grants an independent credit limit, which increases your overall available credit and helps lower your credit utilization ratio.

Both MakeMyTrip ICICI Bank Credit Card and Utkarsh Small Finance Bank Eternal Credit Card standardly offer a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 or ₹5,000 at petrol stations nationwide (subject to monthly waiver caps). However, categories like rent payments, wallet reloads, cash withdrawals, and government utility bills are often excluded from earning points or carry separate processing surcharges.

For a practical 2026 decision, Choose MakeMyTrip ICICI Bank Credit Card if your spending aligns with its primary reward partner ecosystem, you can comfortably achieve its fee waiver milestone, and its fee structure (₹ 999) fits your budget. Select Utkarsh Small Finance Bank Eternal Credit Card if you will actively use its unique perks (1.25% cashback on all eligible transactions, 1% fuel surcharge waiver) and lounge access privileges (secondary travel perks). You can apply for either card online with paperless digital KYC verification.