Makemytrip ICICI Bank Signature Credit Card vs Yes Prosperity Edge Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The Makemytrip ICICI Bank Signature Credit Cardⓘ wins for everyday spend with a higher base reward rate of 1.25% compared to 0.8% on the Yes Prosperity Edge.
• For travel and lounge benefits, the Makemytrip ICICI card offers more domestic and international lounges and better travel rewards, making it the clear winner.
• The Yes Prosperity Edge Credit Card is cheaper to hold with a Rs 599 annual fee and joining fee, plus a fee waiver on Rs 1 lakh annual spend, unlike the Makemytrip card which charges Rs 999 fees without waiver.
• Choose the Makemytrip ICICI card if you prioritize travel rewards and lounge access; pick the Yes Prosperity Edge if you want a low-fee card with decent dining and grocery rewards and occasional lounge use.

Side by Side

Rewards Compared

Spending Rs 10,000 on the Makemytrip ICICI Bank Signature Credit Cardⓘ earns Rs 125 back at the base rate. This card shines in travel categories with a 6% effective return, yielding Rs 600 per Rs 10,000 spent on travel, and 2.5% on dining (Rs 250 on Rs 10,000). Its rewards are points-based but effectively translate to these rupee values.

The Yes Prosperity Edge Credit Cardⓘ earns Rs 80 on Rs 10,000 at its base rate, lower than the Makemytrip card. However, it provides category bonuses of 2% on dining and grocery each, resulting in Rs 200 back per Rs 10,000 spent in these categories. Thus, while it lags on travel rewards, it offers a steady return on lifestyle spending.

Fees Compared

The Makemytrip ICICI Bank Signature Credit Card charges Rs 999 each for joining and annual fees, with no fee waiver threshold. Its break-even spend to cover the annual fee at base rewards alone is Rs 79,920. The Yes Prosperity Edge Credit Card has lower joining and annual fees of Rs 599 each, and importantly offers a waiver if you spend Rs 1,00,000 annually, or about Rs 8,333 monthly. Its base rate break-even spend is Rs 74,875.

Comparing the two, the Makemytrip card costs Rs 400 more per year in fees. To justify this, you would need to spend an extra Rs 88,889 annually to make up the reward rate gap. For users who do not meet this extra spend, the Yes Prosperity Edge card is more economical.

Which One Should You Pick

The Makemytrip ICICI Bank Signature Credit Cardⓘ is best suited for frequent travelers who want robust travel rewards, multiple domestic and international lounge accesses, and good dining returns. Its higher fees are offset if you spend heavily on travel and dining. Skip this card if your spend is low or your travel frequency is limited.

The Yes Prosperity Edge Credit Cardⓘ is ideal for first-time credit card users or those seeking a low-fee card with decent rewards on dining and grocery shopping. Its quarterly Rs 50,000 spend gate for domestic lounge access suits moderate lounge users. Forgo this card if you want strong travel rewards or international lounge access.

Overall, if travel and lounge benefits matter most and you can justify the extra fee with your spend, the Makemytrip ICICI Bank Signature Credit Cardⓘ is the superior choice. Otherwise, for cost-conscious users who value dining and grocery rewards with occasional lounge use, the Yes Prosperity Edge Credit Cardⓘ wins.

What to Check Before You Apply

• Verify any caps on category rewards, especially travel and dining, to ensure you can maximize returns.
• Confirm the redemption value and process for points to avoid surprises in reward usability.
• Calculate the fee waiver math carefully on the Yes Prosperity Edge card to ensure you meet the Rs 1 lakh annual spend.
• Account for the 3.5% forex markup on both cards if you plan on international spending.
• Check which domestic and international airports have lounges accessible by each card to match your travel routes.

FAQ