Adani One ICICI Bank Signature vs MakeMyTrip ICICI Bank (2026)
MakeMyTrip ICICI Bank vs Adani One ICICI Bank Signature: which wins?
₹69,840ranking value a year at ₹3L a month, to Adani One ICICI Bank Signature
Skip the duel — the board, ranked → · nothing to sign up for
Two ICICI travel co-brands, two closed loops: ₹5,000 of Adani airport points and 16 lounges vs ₹999 of MakeMyTrip myCash and 0.99% forex — one is an airport-app bet, the other the cheapest travel card ICICI makes.
MakeMyTrip ICICI Bank wins under ₹0.5L/month; Adani One ICICI Bank Signature takes over above it.
Every metric, row by row — 10 compared
Head to head
| Adani One ICICI Bank Signature | Metric | MakeMyTrip ICICI Bank |
|---|---|---|
| #64 — wins this row | Our rank | #93 |
| ₹5,000/yr | Fee — joining · annual (+ GST) | ₹999/yr — wins this row |
| ₹6,00,000 spend | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST | Forex markup | 0.99% + GST — wins this row |
| 3.75%/mo (45%/yr) | APR | 3.75%/mo (45%/yr) |
| 1.5% — wins this row | Headline earn rate | 1.0% |
| Adani Reward Points | Currency | MakeMyTrip myCash |
| ₹1.00/pt | House value | ₹1.00/pt |
| ₹5,000 flight + ₹2,000 hotel vouchers — the flight voucher needs ₹25k of spend within 60 days AND a joining fee to have been charged, so a waived year forfeits it | Welcome benefit | ₹1,000 MakeMyTrip voucher (valid 1 year) + MMTBLACK Gold membership; ₹1,000 more on every renewal (valid 3 months) |
| 735 of 793 | Lounge doors opened | 735 of 793 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Adani One ICICI Bank Signature and MakeMyTrip ICICI Bank are both open to a direct application.
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 wins under ₹0.5L/month; Adani One ICICI Bank Signature takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L a month: MakeMyTrip ICICI Bank is ahead by ₹2,930 at ₹0.25L, Adani One ICICI Bank Signature by ₹41,400 at ₹5L.
MakeMyTrip ICICI Bank pays a renewal bonus whatever you spend, and Adani One ICICI Bank Signature pays nothing to stay.
Adani One ICICI Bank Signature draws above the line, MakeMyTrip ICICI Bank below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Adani One ICICI Bank Signature | MakeMyTrip ICICI Bank | In front |
|---|---|---|---|
| ₹0.25L | ₹820 | ₹3,750 | MakeMyTrip ICICI Bank by ₹2,930 |
| ₹0.5L | ₹11,640 | ₹7,500 | Adani One ICICI Bank Signature by ₹4,140 |
| ₹0.75L | ₹17,460 | ₹11,250 | Adani One ICICI Bank Signature by ₹6,210 |
| ₹1L | ₹23,280 | ₹15,000 | Adani One ICICI Bank Signature by ₹8,280 |
| ₹1.25L | ₹29,100 | ₹18,750 | Adani One ICICI Bank Signature by ₹10,350 |
| ₹1.5L | ₹34,920 | ₹22,500 | Adani One ICICI Bank Signature by ₹12,420 |
| ₹1.75L | ₹40,740 | ₹26,250 | Adani One ICICI Bank Signature by ₹14,490 |
| ₹2L | ₹46,560 | ₹30,000 | Adani One ICICI Bank Signature by ₹16,560 |
| ₹2.25L | ₹52,380 | ₹33,750 | Adani One ICICI Bank Signature by ₹18,630 |
| ₹2.5L | ₹58,200 | ₹37,500 | Adani One ICICI Bank Signature by ₹20,700 |
| ₹2.75L | ₹64,020 | ₹41,250 | Adani One ICICI Bank Signature by ₹22,770 |
| ₹3L | ₹69,840 | ₹45,000 | Adani One ICICI Bank Signature by ₹24,840 |
| ₹3.25L | ₹75,660 | ₹48,750 | Adani One ICICI Bank Signature by ₹26,910 |
| ₹3.5L | ₹81,480 | ₹52,500 | Adani One ICICI Bank Signature by ₹28,980 |
| ₹3.75L | ₹87,300 | ₹56,250 | Adani One ICICI Bank Signature by ₹31,050 |
| ₹4L | ₹93,120 | ₹60,000 | Adani One ICICI Bank Signature by ₹33,120 |
| ₹4.25L | ₹98,940 | ₹63,750 | Adani One ICICI Bank Signature by ₹35,190 |
| ₹4.5L | ₹1,04,760 | ₹67,500 | Adani One ICICI Bank Signature by ₹37,260 |
| ₹4.75L | ₹1,10,580 | ₹71,250 | Adani One ICICI Bank Signature by ₹39,330 |
| ₹5L | ₹1,16,400 | ₹75,000 | Adani One ICICI Bank Signature by ₹41,400 |
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
Adani One ICICI Bank Signature · 3 more →
- Points are closed-loop — spendable only inside the Adani One app, no transfers, no cash
- Domestic lounges gated behind ₹75k of prior-quarter spend
- Win the ₹6L fee waiver and you LOSE the flight voucher — the T&C says so outright
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, Adani One ICICI Bank Signature nets ₹23,280 against ₹15,000 — a ₹8,280 gap. At ₹5L/month, Adani One ICICI Bank Signature nets ₹1,16,400 against ₹75,000 — a ₹41,400 gap. Lounge chasers get no tiebreak here: both open 735 of 793 tracked doors.
Our standing verdicts: Adani One ICICI Bank Signature — Downgrade; MakeMyTrip ICICI Bank — Keep. Adani One ICICI Bank Signature takes 5 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, Adani One ICICI Bank Signature or MakeMyTrip ICICI Bank?
Adani One ICICI Bank Signature. Adani One ICICI Bank Signature takes 5 of the 7 rounds we can score. MakeMyTrip ICICI Bank wins under ₹0.5L/month; Adani One ICICI Bank Signature takes over above it.
Adani One ICICI Bank Signature or MakeMyTrip ICICI Bank — which earns more at ₹3L a month?
At ₹3L a month, Adani One ICICI Bank Signature nets ₹69,840 against ₹45,000 — a ₹24,840 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, Adani One ICICI Bank Signature or MakeMyTrip ICICI Bank?
MakeMyTrip ICICI Bank — ₹999/yr against ₹5,000/yr. Adani One ICICI Bank Signature waives its fee at ₹6,00,000 of spend; MakeMyTrip ICICI Bank at ₹3,00,000 of spend.
Which gets you into more airport lounges, Adani One ICICI Bank Signature or MakeMyTrip ICICI Bank?
Lounge chasers get no tiebreak here: both open 735 of 793 tracked doors. 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: Adani One ICICI Bank Signature on 2026-09-03, 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 ICICI Bank and ICICI Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official Product page — 7 Adani Reward Points/₹100 "On Adani One Ecosystem Spend", 2 on international, 1.5 on domestic
- official Card T&C — the full earn table including the utilities and insurance row at 0.5 per ₹100, and the fee waiver that cancels the flight voucher
- official MITC (last updated 2 Aug 2026) — ₹5,000 joining + ₹5,000 annual, fee reversal at ₹6,00,000; 3.50% forex mark-up (no Adani exception)
- official Launch press release (with Visa)
- official Product page — 6 myCash/₹100 on MMT hotels, 3 on flights/buses/cabs, 1 on all other retail
- community CardInsider review (dual Mastercard+RuPay; UPI earns myCash)