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Side-by-Side Comparison|Updated April 2026

MakeMyTrip ICICI Bank Credit Card vs Axis Bank My Zone 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 My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMakeMyTrip ICICI Bank Credit CardAxis Bank My Zone Credit Card
Annual Fee₹999₹500
Joining Fee₹999₹500
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%0.2%
Reward CurrencymyCashEDGE Reward Points
NetworkMastercardVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

MakeMyTrip ICICI Bank Credit Card

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

Axis Bank My Zone 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 My Zone Credit Card

Pros

  • Complimentary SonyLIV Premium annual subscription worth ₹999 on first spend.
  • Buy One Get One (BOGO) offer on movie tickets via District app, up to ₹200/month.
  • Flat ₹120 discount on Swiggy orders twice a month on minimum spend of ₹500.
  • Up to ₹1,000 off on Ajio for select styles on minimum spend of ₹2,999.

Cons

  • Low base reward rate of 0.4% (4 points per ₹200).
  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Many exclusions for reward points including fuel, utilities, and rent.

Our Verdict

MakeMyTrip ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone Credit Card could be the better pick if its specific category strengths match your spending habits.

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 My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: MakeMyTrip ICICI Bank Credit Card or Axis Bank My Zone Credit Card?
MakeMyTrip ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between MakeMyTrip ICICI Bank Credit Card and Axis Bank My Zone Credit Card?
MakeMyTrip ICICI Bank Credit Card has an annual fee of ₹999, while Axis Bank My Zone Credit Card has an annual fee of ₹500. MakeMyTrip ICICI Bank Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: MakeMyTrip ICICI Bank Credit Card or Axis Bank My Zone 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 My Zone Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both MakeMyTrip ICICI Bank Credit Card and Axis Bank My Zone Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. MakeMyTrip ICICI Bank Credit Card and Axis Bank My Zone 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 My Zone Credit Card?
For beginners, Axis Bank My Zone Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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