Kotak White Reserve vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 7-2. MakeMyTrip loyalists, co-branded with strong travel benefits. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak White Reserve | ICICI MMT Signature |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,500 |
| Joining fee | · ₹12,500 | ₹2,500 |
| Top reward rate | · Milestone | 6% (travel) |
| Base reward rate | · Milestone | 1.5% |
| Forex markup | 2% | · 2.5% |
| Welcome bonus | · N/A | ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹600,000 / yr |
| Min income | = Not verified | = ₹800,000 |
| Min credit score | · N/A | 770 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Kotak White Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
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
›Kotak White Reserve vs ICICI MMT Signature: which is better?
ICICI MMT Signature wins on more dimensions (7 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 Kotak White Reserve 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?
Kotak White Reserve doesn't list a welcome bonus. ICICI MMT Signature: ₹2,500 MMT Black holidays voucher.