MakeMyTrip ICICI Bank Signature vs ICICI Bank Rubyx (2026)
ICICI Bank's own upgrade question: ₹2,500 once to join against ₹3,000 to join plus ₹2,000/yr — and the dearer card earns LESS, 0.5% to 0.6%.
Head to head
| MakeMyTrip ICICI Bank Signature | Metric | ICICI Bank Rubyx |
|---|---|---|
| #72 — wins this row | Our rank | #88 |
| ₹0/yr · ₹2,500 joining (one-time) — wins this row | Fee — joining · annual (+ GST) | ₹3,000 joining, then ₹2,000/yr |
| None | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST | Forex markup | 3.5% + GST |
| 3.75%/mo (45%/yr) | APR | 3.75%/mo (45%/yr) |
| 0.6% — wins this row | Headline earn rate | 0.5% |
| MakeMyTrip myCash | Currency | ICICI Reward Points |
| ₹1.00/pt | House value | ₹1.00/pt † |
| MMTBLACK Platinum tier + a MakeMyTrip holiday voucher up to ₹2,500 — one-time, on joining. CLOSED TO NEW APPLICATIONS. | Welcome benefit | ₹18,000 of brand vouchers — Elivaas ₹10,000, EaseMyTrip ₹2,000 flights + ₹3,000 holidays, TataCliQ ₹2,000, Croma ₹1,000 (+ 3-month EazyDiner Prime); joining ₹3,000, renewal ₹2,000 |
| 752 of 789 — wins this row | Lounge doors opened | 129 of 789 |
| not published | Income — salaried | ₹75,000+/month (official product page) |
| not published | Income — self-employed | ₹9,00,000+/yr (official product page) |
† ICICI Bank Rubyx: Rubyx is the card that settles ICICI's redemption question in writing: its own membership kit says "Each reward point is equivalent to ₹0.25 when redeemed for cash" — a quarter of the ₹1.00 house value, which ICICI documents only for Emeralde Private Metal and Times Black. earn.base bakes the haircut in.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
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 Signature out-earns ICICI Bank Rubyx at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
MakeMyTrip ICICI Bank Signature leads at all 20 steps, but not by the same amount: ₹706 at ₹0.25L a month, ₹8,475 at ₹5L — the gap fans out with spend, widest at ₹5L (₹8,475).
MakeMyTrip ICICI Bank Signature charges ₹2,500 once at issuance and nothing to renew; ICICI Bank Rubyx charges twice — ₹3,000 to join, then ₹2,000 every year after.
MakeMyTrip ICICI Bank Signature draws above the line, ICICI Bank Rubyx below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank Signature | ICICI Bank Rubyx | In front |
|---|---|---|---|
| ₹0.25L | ₹3,181 | ₹2,475 | MakeMyTrip ICICI Bank Signature by ₹706 |
| ₹0.5L | ₹9,263 | ₹5,325 | MakeMyTrip ICICI Bank Signature by ₹3,938 |
| ₹0.75L | ₹11,344 | ₹8,175 | MakeMyTrip ICICI Bank Signature by ₹3,169 |
| ₹1L | ₹13,425 | ₹10,650 | MakeMyTrip ICICI Bank Signature by ₹2,775 |
| ₹1.25L | ₹15,506 | ₹12,375 | MakeMyTrip ICICI Bank Signature by ₹3,131 |
| ₹1.5L | ₹17,588 | ₹14,100 | MakeMyTrip ICICI Bank Signature by ₹3,488 |
| ₹1.75L | ₹19,669 | ₹15,825 | MakeMyTrip ICICI Bank Signature by ₹3,844 |
| ₹2L | ₹21,750 | ₹17,550 | MakeMyTrip ICICI Bank Signature by ₹4,200 |
| ₹2.25L | ₹23,831 | ₹19,275 | MakeMyTrip ICICI Bank Signature by ₹4,556 |
| ₹2.5L | ₹25,913 | ₹21,000 | MakeMyTrip ICICI Bank Signature by ₹4,913 |
| ₹2.75L | ₹27,994 | ₹22,725 | MakeMyTrip ICICI Bank Signature by ₹5,269 |
| ₹3L | ₹30,075 | ₹24,450 | MakeMyTrip ICICI Bank Signature by ₹5,625 |
| ₹3.25L | ₹32,156 | ₹26,175 | MakeMyTrip ICICI Bank Signature by ₹5,981 |
| ₹3.5L | ₹34,238 | ₹27,900 | MakeMyTrip ICICI Bank Signature by ₹6,338 |
| ₹3.75L | ₹36,319 | ₹29,625 | MakeMyTrip ICICI Bank Signature by ₹6,694 |
| ₹4L | ₹38,400 | ₹31,350 | MakeMyTrip ICICI Bank Signature by ₹7,050 |
| ₹4.25L | ₹40,481 | ₹33,075 | MakeMyTrip ICICI Bank Signature by ₹7,406 |
| ₹4.5L | ₹42,563 | ₹34,800 | MakeMyTrip ICICI Bank Signature by ₹7,763 |
| ₹4.75L | ₹44,644 | ₹36,525 | MakeMyTrip ICICI Bank Signature by ₹8,119 |
| ₹5L | ₹46,725 | ₹38,250 | MakeMyTrip ICICI Bank Signature by ₹8,475 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
MakeMyTrip ICICI Bank Signature · 3 more →
- Closed to new applications — ICICI's own page says so
- Everything earns per ₹200, not ₹100: base spends are 0.625%, MMT flights just 1%
- Milestone myCash needs ₹2.5L and ₹5L of spend on a card you shouldn't be spending on
ICICI Bank Rubyx · 1 more →
- ~0.5% base reward rate; points redeem at just ₹0.25
- Domestic lounges need ₹75k of prior-quarter spend; 2 a quarter
- 3.5% forex — no reason to take it abroad
The call
For the ₹1L/month spender, MakeMyTrip ICICI Bank Signature nets ₹13,425 against ₹10,650 — a ₹2,775 gap. At ₹5L/month, MakeMyTrip ICICI Bank Signature nets ₹46,725 against ₹38,250 — a ₹8,475 gap. Lounge chasers: MakeMyTrip ICICI Bank Signature opens 752 of 789 tracked doors to ICICI Bank Rubyx's 129.
Our standing verdicts: MakeMyTrip ICICI Bank Signature — Keep; ICICI Bank Rubyx — Downgrade. On our board, MakeMyTrip ICICI Bank Signature sits at #72 to ICICI Bank Rubyx's #88 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, MakeMyTrip ICICI Bank Signature or ICICI Bank Rubyx?
MakeMyTrip ICICI Bank Signature. It sits at #72 on our board to ICICI Bank Rubyx's #88. MakeMyTrip ICICI Bank Signature takes 7 of the 7 rounds we can score. MakeMyTrip ICICI Bank Signature out-earns ICICI Bank Rubyx at every spend level we model, from ₹25k to ₹5L a month.
MakeMyTrip ICICI Bank Signature or ICICI Bank Rubyx — which earns more at ₹3L a month?
At ₹3L a month, MakeMyTrip ICICI Bank Signature nets ₹30,075 against ₹24,450 — a ₹5,625 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, MakeMyTrip ICICI Bank Signature or ICICI Bank Rubyx?
MakeMyTrip ICICI Bank Signature — ₹0/yr · ₹2,500 joining (one-time) against ₹3,000 joining, then ₹2,000/yr. MakeMyTrip ICICI Bank Signature waives its fee at no spend level — there is no waiver; ICICI Bank Rubyx at ₹3,00,000 of spend.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank Signature or ICICI Bank Rubyx?
Lounge chasers: MakeMyTrip ICICI Bank Signature opens 752 of 789 tracked doors to ICICI Bank Rubyx's 129. 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: MakeMyTrip ICICI Bank Signature on 2026-07-26, ICICI Bank Rubyx on 2026-08-09. 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.