Flipkart Axis Bank Super Elite vs MakeMyTrip ICICI Bank (2026)
₹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.
Head to head
| Flipkart Axis Bank Super Elite | Metric | MakeMyTrip ICICI Bank |
|---|---|---|
| #105 | Our rank | #66 — wins this row |
| ₹500 + GST — wins this row | Annual fee | ₹999 + GST |
| ₹2,00,000 spend | Fee waiver | ₹3,00,000 spend |
| 3.5% of the transaction value (+ 1.5% dynamic-currency-conversion markup, since 5-Mar-2023) | Forex markup | 0.99% + GST — wins this row |
| 3.75%/mo (55.55%/yr) | APR | 3.75%/mo (45%/yr) |
| 0.8% | Effective reward 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 746 | Lounge doors opened | 685 of 746 — wins this row |
| not published | Income — salaried | not published |
| not published | Income — self-employed | not published |
† 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.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. 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.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
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 685 of 746 tracked doors to Flipkart Axis Bank Super Elite's 0.
Our standing verdicts: Flipkart Axis Bank Super Elite — Cancel; MakeMyTrip ICICI Bank — Keep. On our board, MakeMyTrip ICICI Bank sits at #66 to Flipkart Axis Bank Super Elite's #105 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →