Travel credit cards are designed to help you maximize rewards on flights, hotels, and lifestyle spends. Two popular options in India are the ICICI Bank MakeMyTrip Credit Card and the HDFC Diners Club Privilege Card. While both offer travel perks, rewards, and exclusive benefits, choosing the right card depends on your travel habits, spending patterns, and lifestyle preferences.
This guide provides a detailed comparison between the two cards, helping you decide which one fits your needs.
1. Reward Points & Accelerated Benefits
ICICI MakeMyTrip Credit Card
- 5x reward points on MakeMyTrip bookings.
- 1x reward points on all other spends.
- Bonus points on completing first few transactions.
HDFC Diners Club Privilege Card
- 10x reward points on dining and travel spends.
- 5x reward points on international transactions.
- Base points earned on other spends for daily usage.
Takeaway:
- If your focus is online travel bookings, ICICI MakeMyTrip is ideal.
- For premium travel and dining spends, HDFC Diners Club offers higher rewards.
Read More: Best Rewards Points Credit Card
2. Travel Discounts and Offers
ICICI MakeMyTrip Credit Card
- Exclusive discounts on flights, hotels, and holiday packages via MakeMyTrip.
- EMI options for high-value bookings.
HDFC Diners Club Privilege Card
- Discounts on international hotels and flights.
- Access to special partner offers and seasonal travel deals.
Takeaway:
- ICICI card is best for frequent MakeMyTrip users.
- HDFC Diners Club card suits premium travelers who travel internationally.
Read More: Best Travel Credit card
3. Airport Lounge Access
ICICI MakeMyTrip Credit Card
- Limited domestic lounge access depending on variant.
HDFC Diners Club Privilege Card
- Complimentary domestic and international lounge visits.
- Ideal for business travelers and frequent flyers.
Takeaway:
- For luxury travel perks and multiple lounges, HDFC Diners Club wins.
- ICICI card is focused more on online booking rewards rather than lounge benefits.
Read More: Best Airport Lounge Acees Credit Card
4. Annual Fees and Charges
Takeaway:
- ICICI card is cost-effective for frequent online travelers.
- HDFC Diners Club card is ideal for premium users willing to pay a higher fee for exclusive benefits.
5. Additional Benefits
ICICI MakeMyTrip Credit Card
- Contactless payments for online and offline transactions.
- Reward points can be redeemed for flights, hotels, and holiday packages.
HDFC Diners Club Privilege Card
- Complimentary travel insurance for international trips.
- Exclusive dining privileges, golf access, and lifestyle offers.
6. Who Should Choose Which Card?
Conclusion
Both the ICICI Bank MakeMyTrip Credit Card and HDFC Diners Club Privilege Card are excellent options for travel enthusiasts.
- Choose ICICI MakeMyTrip Credit Card if your priority is online bookings and discounted travel through MakeMyTrip.
- Choose HDFC Diners Club Privilege Card if you value premium benefits, lounge access, and higher rewards on travel and dining.
By understanding your travel and lifestyle preferences, you can maximize rewards, enjoy discounts, and enhance your overall travel experience.