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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik 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.

Axis Bank

Axis Bank Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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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

FeatureAxis Bank Kwik 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 Rate0.04000000000000001%0.25%
Reward CurrencyEDGE Reward PointsICICI Reward Points
NetworkRuPayVisa
Editor Rating7.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

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

Axis Bank Kwik 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 Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

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: Axis Bank Kwik Credit Card or ICICI Bank Manchester United Signature Credit Card?
Axis Bank Kwik 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 Axis Bank Kwik Credit Card and ICICI Bank Manchester United Signature Credit Card?
Axis Bank Kwik 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: Axis Bank Kwik Credit Card or ICICI Bank Manchester United Signature Credit Card?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. 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 Axis Bank Kwik Credit Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik 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: Axis Bank Kwik Credit Card or ICICI Bank Manchester United Signature Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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