ICICI MMT Signature vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 8-1. MakeMyTrip loyalists, co-branded with strong travel benefits. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | ICICI MMT Signature | Kotak White |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 6% (travel) | · Milestone |
| Base reward rate | 1.5% | · Milestone |
| Forex markup | 2.5% | · 3.5% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹600,000 / yr | ₹500,000 / yr |
| Min income | ₹800,000 | · ₹2,500,000 |
| Min credit score | 770 | · N/A |
| 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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›ICICI MMT Signature vs Kotak White: which is better?
ICICI MMT Signature wins on more dimensions (8 vs 1). 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 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: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.