Flipkart Axis Bank Super Elite vs MakeMyTrip ICICI Bank (2026)
MakeMyTrip ICICI Bank vs Flipkart Axis Bank Super Elite: which wins?
₹45,000ranking value a year at ₹3L a month, to MakeMyTrip ICICI Bank
Skip the duel — the board, ranked → · nothing to sign up for
₹500 against ₹999, opposite universes — SuperCoins that top out on Flipkart orders and open no lounge doors, against a travel co-brand that hands you lounges and MMT credits.
MakeMyTrip ICICI Bank out-earns Flipkart Axis Bank Super Elite at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| Flipkart Axis Bank Super Elite | Metric | MakeMyTrip ICICI Bank |
|---|---|---|
| paused | Our rank | #93 |
| ₹500/yr — wins this row | Fee — joining · annual (+ GST) | ₹999/yr |
| ₹2,00,000 spend | Fee waiver | ₹3,00,000 spend |
| 3.5% of the transaction value (+ a dynamic-currency-conversion markup, 1.5% from 5-Mar-2023 and 3.5% since 28 August 2026). | Forex markup | 0.99% + GST — wins this row |
| 3.75%/mo (55.55%/yr) | APR | 3.75%/mo (45%/yr) |
| 0.8% | Headline earn rate | 1.0% — wins this row |
| Flipkart SuperCoins | Currency | MakeMyTrip myCash |
| ₹0.40/pt † | House value | ₹1.00/pt |
| 500 SuperCoins on activation, plus 1 year of Lenskart Gold, 3 months of Gaana Plus, 2 months of YouTube Premium, ₹500 off Myntra (first 3 orders over ₹2,999), 15% off Flipkart Flights (max ₹1,500) and 30% off a first Flipkart Health+ order | Welcome benefit | ₹1,000 MakeMyTrip voucher (valid 1 year) + MMTBLACK Gold membership; ₹1,000 more on every renewal (valid 3 months) |
| 0 of 793 | Lounge doors opened | 735 of 793 — wins this row |
† Flipkart Axis Bank Super Elite: SuperCoins are marketed at ₹1 each; our house value is ₹0.40, set by the best real exit (5:2 into Air India Maharaja Club at ₹1/mile). On Flipkart itself they cap out at a slice of order value, which is why the marketing number never survives contact with a checkout.
Neither issuer publishes an income floor for these two. Flipkart Axis Bank Super Elite is not taking new applications; MakeMyTrip ICICI Bank is open to a direct application. How people actually get Flipkart Axis Bank Super Elite is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
MakeMyTrip ICICI Bank out-earns Flipkart Axis Bank Super Elite at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
MakeMyTrip ICICI Bank leads at all 20 steps, but not by the same amount: ₹630 at ₹0.25L a month, ₹12,600 at ₹5L — the gap fans out with spend, widest at ₹5L (₹12,600).
MakeMyTrip ICICI Bank pays a renewal bonus whatever you spend, and Flipkart Axis Bank Super Elite pays nothing to stay.
Flipkart Axis Bank Super Elite draws above the line, MakeMyTrip ICICI Bank below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Flipkart Axis Bank Super Elite | MakeMyTrip ICICI Bank | In front |
|---|---|---|---|
| ₹0.25L | ₹3,120 | ₹3,750 | MakeMyTrip ICICI Bank by ₹630 |
| ₹0.5L | ₹6,240 | ₹7,500 | MakeMyTrip ICICI Bank by ₹1,260 |
| ₹0.75L | ₹9,360 | ₹11,250 | MakeMyTrip ICICI Bank by ₹1,890 |
| ₹1L | ₹12,480 | ₹15,000 | MakeMyTrip ICICI Bank by ₹2,520 |
| ₹1.25L | ₹15,600 | ₹18,750 | MakeMyTrip ICICI Bank by ₹3,150 |
| ₹1.5L | ₹18,720 | ₹22,500 | MakeMyTrip ICICI Bank by ₹3,780 |
| ₹1.75L | ₹21,840 | ₹26,250 | MakeMyTrip ICICI Bank by ₹4,410 |
| ₹2L | ₹24,960 | ₹30,000 | MakeMyTrip ICICI Bank by ₹5,040 |
| ₹2.25L | ₹28,080 | ₹33,750 | MakeMyTrip ICICI Bank by ₹5,670 |
| ₹2.5L | ₹31,200 | ₹37,500 | MakeMyTrip ICICI Bank by ₹6,300 |
| ₹2.75L | ₹34,320 | ₹41,250 | MakeMyTrip ICICI Bank by ₹6,930 |
| ₹3L | ₹37,440 | ₹45,000 | MakeMyTrip ICICI Bank by ₹7,560 |
| ₹3.25L | ₹40,560 | ₹48,750 | MakeMyTrip ICICI Bank by ₹8,190 |
| ₹3.5L | ₹43,680 | ₹52,500 | MakeMyTrip ICICI Bank by ₹8,820 |
| ₹3.75L | ₹46,800 | ₹56,250 | MakeMyTrip ICICI Bank by ₹9,450 |
| ₹4L | ₹49,920 | ₹60,000 | MakeMyTrip ICICI Bank by ₹10,080 |
| ₹4.25L | ₹53,040 | ₹63,750 | MakeMyTrip ICICI Bank by ₹10,710 |
| ₹4.5L | ₹56,160 | ₹67,500 | MakeMyTrip ICICI Bank by ₹11,340 |
| ₹4.75L | ₹59,280 | ₹71,250 | MakeMyTrip ICICI Bank by ₹11,970 |
| ₹5L | ₹62,400 | ₹75,000 | MakeMyTrip ICICI Bank by ₹12,600 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Flipkart Axis Bank Super Elite · 3 more →
- No lounge access whatsoever — domestic or international, gated or otherwise
- 0.8% outside Flipkart, and 3.5% forex kills it for any spend abroad
- SuperCoins are marketed at ₹1 and worth ₹0.40 on their best real exit
MakeMyTrip ICICI Bank · 1 more →
- myCash is a closed MakeMyTrip wallet — no transfers, no cash-out, per-booking caps
- Base earn off-MMT is a flat 1%
- Domestic lounges need ₹75k of prior-quarter spend
The call
For the ₹1L/month spender, MakeMyTrip ICICI Bank nets ₹15,000 against ₹12,480 — a ₹2,520 gap. At ₹5L/month, MakeMyTrip ICICI Bank nets ₹75,000 against ₹62,400 — a ₹12,600 gap. Lounge chasers: MakeMyTrip ICICI Bank opens 735 of 793 tracked doors to Flipkart Axis Bank Super Elite's 0.
Our standing verdicts: Flipkart Axis Bank Super Elite — Cancel; MakeMyTrip ICICI Bank — Keep. MakeMyTrip ICICI Bank takes 6 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Flipkart Axis Bank Super Elite or MakeMyTrip ICICI Bank?
MakeMyTrip ICICI Bank. MakeMyTrip ICICI Bank takes 6 of the 7 rounds we can score. MakeMyTrip ICICI Bank out-earns Flipkart Axis Bank Super Elite at every spend level we model, from ₹25k to ₹5L a month.
Flipkart Axis Bank Super Elite or MakeMyTrip ICICI Bank — which earns more at ₹3L a month?
At ₹3L a month, MakeMyTrip ICICI Bank nets ₹45,000 against ₹37,440 — a ₹7,560 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Flipkart Axis Bank Super Elite or MakeMyTrip ICICI Bank?
Flipkart Axis Bank Super Elite — ₹500/yr against ₹999/yr. Flipkart Axis Bank Super Elite waives its fee at ₹2,00,000 of spend; MakeMyTrip ICICI Bank at ₹3,00,000 of spend.
Which gets you into more airport lounges, Flipkart Axis Bank Super Elite or MakeMyTrip ICICI Bank?
Lounge chasers: MakeMyTrip ICICI Bank opens 735 of 793 tracked doors to Flipkart Axis Bank Super Elite's 0. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Flipkart Axis Bank Super Elite on 2026-08-15, MakeMyTrip ICICI Bank on 2026-08-05. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Axis Bank and ICICI Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 10 of them, each with the day we read it
- official Product page — 12/6 additional SuperCoins per ₹100 on Flipkart, 2 per ₹100 elsewhere, 500 SuperCoins on activation, memberships; hero banner still links live into the application form
- official Axis Bank credit-card shelf — the Super Elite is badged "Best Seller" but carries ONLY a "Know More" link, no "Apply Now"
- official SuperCoin issuance T&C — 300 (Plus) / 150 (non-Plus) coins-per-transaction caps, uncapped 2 per ₹100 outside Flipkart, exclusion list incl
- official Axis Key Fact Sheet, updated 12-Aug-2026 — joining ₹500 / annual ₹500, waiver on ₹2,00,000 preceding-year spend, 55.55% APR, 3.5% foreign transaction fee, 1.5% DCC markup
- official Launch press release (22-Nov-2022) — 8 total SuperCoins per ₹100 on Flipkart (16 for Plus), 2 outside, ₹500 fee waived at ₹2 lakh
- community CardInsider — flags the card as discontinued and confirms no lounge access; corroborated 26-Jul-2026 by the missing Apply Now on Axis's own shelf
- official Axis Bank Domestic Airport Lounge Access Program — the Super Elite appears in NEITHER Set A nor Set B, and the base Flipkart Axis card lost its lounge access on 20-Jun-2025
- official Product page — 6 myCash/₹100 on MMT hotels, 3 on flights/buses/cabs, 1 on all other retail
- official MITC — ₹999 joining + ₹999 annual, fee reversal at ₹3,00,000; 0.99% forex mark-up as a named exception to the 3.50% standard; fuel earns, a named exception to the no-points-on-fuel rule
- community CardInsider review (dual Mastercard+RuPay; UPI earns myCash)