Vyaya
Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs ICICI Bank Manchester United Signature Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardICICI Bank Manchester United Signature Credit Card
Annual FeeFree₹2,499
Joining FeeFree₹2,499
Fee Waiver SpendN/A₹2,50,000
Base Reward Rate0.5599999999999999%0.25%
Reward CurrencyReward PointsICICI Reward Points
NetworkVisaVisa
Editor Rating8.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or ICICI Bank Manchester United Signature Credit Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and ICICI Bank Manchester United Signature Credit Card?
Kotak Infinite Credit Card has no annual fee, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or ICICI Bank Manchester United Signature Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. ICICI Bank Manchester United Signature Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or ICICI Bank Manchester United Signature Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Kotak Infinite Credit Card vs ICICI Bank Emeralde Private Metal Credit CardICICI Bank Manchester United Signature Credit Card vs ICICI Bank Emeralde Private Metal Credit CardKotak Infinite Credit Card vs Axis Bank Magnus for Burgundy Credit CardICICI Bank Manchester United Signature Credit Card vs Axis Bank Magnus for Burgundy Credit CardKotak Infinite Credit Card vs ICICI Bank Manchester United Platinum Credit CardICICI Bank Manchester United Signature Credit Card vs ICICI Bank Manchester United Platinum Credit CardKotak Infinite Credit Card vs SBI Card ELITEICICI Bank Manchester United Signature Credit Card vs SBI Card ELITE

Explore More

Kotak Infinite Credit Card Full ReviewICICI Bank Manchester United Signature Credit Card Full ReviewAll Kotak Mahindra Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips