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Side-by-Side Comparison|Updated April 2026

MakeMyTrip ICICI Bank Credit Card vs Axis Bank ACE Credit Card

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

ICICI Bank

MakeMyTrip ICICI Bank Credit Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkMastercard
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMakeMyTrip ICICI Bank Credit CardAxis Bank ACE Credit Card
Annual Fee₹999₹499
Joining Fee₹999₹499
Fee Waiver Spend₹3,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencymyCashCashback
NetworkMastercardVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

MakeMyTrip ICICI Bank Credit Card

  • 0% on MMT Hotels
  • 0% on MMT Flights/Cabs

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

MakeMyTrip ICICI Bank Credit Card

Pros

  • High 6% reward rate on hotel bookings via MakeMyTrip
  • Industry-leading low forex markup of 0.99%
  • Dual card offering (Mastercard + RuPay) for UPI compatibility
  • Unlimited myCash rewards with no expiry date

Cons

  • Rewards (myCash) can only be redeemed on the MakeMyTrip platform
  • Low reward rate of 1% on non-travel retail spends
  • International lounge access is limited to once per year

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

Both MakeMyTrip ICICI Bank Credit Card and Axis Bank ACE Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose MakeMyTrip ICICI Bank Credit Card if

Maximum value back of up to 6% on hotels and 3% on flights booked through the platform.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: MakeMyTrip ICICI Bank Credit Card or Axis Bank ACE Credit Card?
Both MakeMyTrip ICICI Bank Credit Card and Axis Bank ACE Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between MakeMyTrip ICICI Bank Credit Card and Axis Bank ACE Credit Card?
MakeMyTrip ICICI Bank Credit Card has an annual fee of ₹999, while Axis Bank ACE Credit Card has an annual fee of ₹499. MakeMyTrip ICICI Bank Credit Card offers a fee waiver on ₹3,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: MakeMyTrip ICICI Bank Credit Card or Axis Bank ACE Credit Card?
MakeMyTrip ICICI Bank Credit Card offers a base reward rate of 1% with accelerated rewards on MMT Hotels and MMT Flights/Cabs. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both MakeMyTrip ICICI Bank Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. MakeMyTrip ICICI Bank Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: MakeMyTrip ICICI Bank Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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