Skip to content

MakeMyTrip ICICI Bank vs ixigo AU

Verified 11 sources

Your monthly spend

ixigo AU beats MakeMyTrip ICICI Bank by ₹10,800 a year at ₹30,000 a month: ₹14,000 against ₹3,200, after fees

ixigo AU beats MakeMyTrip ICICI Bank by ₹11,800 a year at ₹75,000 a month: ₹19,900 against ₹8,100, after fees

ixigo AU beats MakeMyTrip ICICI Bank by ₹13,600 a year at ₹1.5 lakh a month: ₹29,800 against ₹16,200, after fees

ixigo AU beats MakeMyTrip ICICI Bank by ₹17,200 a year at ₹3 lakh a month: ₹49,600 against ₹32,400, after fees

ixigo AU beats MakeMyTrip ICICI Bank by ₹12,600 a year at ₹5 lakh a month: ₹66,600 against ₹54,000, after fees

MakeMyTrip ICICI Bank credit card

ICICI Bank

MakeMyTrip ICICI Bank

Our verdict: Keep

ixigo AU credit card

AU Small Finance Bank

ixigo AU

Our verdict: Keep

ixigo AU vs MakeMyTrip ICICI Bank: which should you pick?

The two travel-portal co-brands. MakeMyTrip ICICI pays myCash: 6 per ₹100 on MakeMyTrip hotels, 3 on its flights, holidays, cabs and buses, and 1 on everything else, fuel included; ixigo AU pays 2.5 points per ₹100, worth 1.25% as ixigo money, but nothing abroad, where its pitch is zero forex. ixigo AU out-earns MakeMyTrip ICICI at every spend level the page tests, and it is lifetime free against ₹999 waived at ₹3,00,000 of spend. MakeMyTrip ICICI opens eight domestic lounge visits a year and one abroad; ixigo AU eight domestic a year, two a calendar quarter, and one Priority Pass visit abroad, issued on request.

At every spend from ₹25,000 to ₹5 lakh a month, ixigo AU beats MakeMyTrip ICICI Bank, and its lead widens from ₹600 to ₹12,600 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: ixigo AU returns ₹19,900 a year in rewards to MakeMyTrip ICICI Bank's ₹8,100. On the rows below, MakeMyTrip ICICI Bank has no clear edge over ixigo AU.

Ixigo AU's ongoing earn stops at ₹4,00,000 of spend a month, where MakeMyTrip ICICI Bank's doesn't; MakeMyTrip ICICI Bank pays a renewal bonus whatever you spend, and ixigo AU pays nothing to stay.

MakeMyTrip ICICI Bank review ixigo AU review

Side by side

MakeMyTrip ICICI Bank and ixigo AU, fact by fact
FactMakeMyTrip ICICI Bankixigo AU
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹999/yr₹0 — lifetime free✓ Better
Fee waiverSpend ₹3,00,000 a yearNone
Reward rate on everyday spend1.0%1.3%✓ Better
PointsMakeMyTrip myCashixigo AU Reward Points
Our value per point₹1.00₹0.50
Transfer partnersNoneNone
Lounges it gets you into715 of 792719 of 792✓ Better
Forex markup0.99% + GST0%✓ Better
Welcome benefit₹1,000 MakeMyTrip voucher (valid 1 year) + MMTBLACK Gold membership; ₹1,000 more on every renewal (valid 3 months)1,000 reward points + ₹1,000 ixigo money on the first transaction within 30 days — the ixigo-money voucher is new-to-bank only and expires 90 days from issuance

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. ixigo AU is ahead on 10 of the 10 rows we can call.

More facts 7 rows
Rank, verdict, lounge visits and fine print
FactMakeMyTrip ICICI Bankixigo AU
Our rank#113#37✓ Better
Our verdictKeepKeep
Lounge visits in India8/year (2/quarter) at the 71 rooms on ICICI's consolidated domestic list8/year (2 per calendar quarter) at AU's own 50-room domestic list + 8 railway/year
Lounge visits abroad1/year1/year (Priority Pass, issued on request; $35+tax per visit)
Forex, in the bank’s words0.99% + GST0% — zero forex markup (AU's ixigo/travel carve-out; Ananta pays 3.49%, Zenith+ 0.99%)
Interest (APR)3.75%/mo (45%/yr)3.75%/mo (45%/yr) — AU standard retail tier (all AU cards except Zenith+)
Income needed (salaried)not published₹25,000/month, or CIBIL 750+ (community)

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendMakeMyTrip ICICI Bankixigo AU
At ₹30,000 a month₹3,200₹14,000✓ Better
At ₹75,000 a month₹8,100₹19,900✓ Better
At ₹1.5 lakh a month₹16,200₹29,800✓ Better
At ₹3 lakh a month₹32,400₹49,600✓ Better
At ₹5 lakh a month₹54,000₹66,600✓ Better
Pays for itself fromThe first rupeeThe first rupee

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
MakeMyTrip ICICI Bank and ixigo AU at each ₹25,000 step
Monthly spendMakeMyTrip ICICI Bankixigo AUAhead
₹25,000₹2,700₹3,300✓ Betterixigo AU by ₹600
₹50,000₹5,400₹16,600✓ Betterixigo AU by ₹11,200
₹75,000₹8,100₹19,900✓ Betterixigo AU by ₹11,800
₹1 lakh₹10,800₹23,200✓ Betterixigo AU by ₹12,400
₹1.25 lakh₹13,500₹26,500✓ Betterixigo AU by ₹13,000
₹1.5 lakh₹16,200₹29,800✓ Betterixigo AU by ₹13,600
₹1.75 lakh₹18,900₹33,100✓ Betterixigo AU by ₹14,200
₹2 lakh₹21,600₹36,400✓ Betterixigo AU by ₹14,800
₹2.25 lakh₹24,300₹39,700✓ Betterixigo AU by ₹15,400
₹2.5 lakh₹27,000₹43,000✓ Betterixigo AU by ₹16,000
₹2.75 lakh₹29,700₹46,300✓ Betterixigo AU by ₹16,600
₹3 lakh₹32,400₹49,600✓ Betterixigo AU by ₹17,200
₹3.25 lakh₹35,100₹52,900✓ Betterixigo AU by ₹17,800
₹3.5 lakh₹37,800₹56,200✓ Betterixigo AU by ₹18,400
₹3.75 lakh₹40,500₹59,500✓ Betterixigo AU by ₹19,000
₹4 lakh₹43,200₹62,800✓ Betterixigo AU by ₹19,600
₹4.25 lakh₹45,900₹66,100✓ Betterixigo AU by ₹20,200
₹4.5 lakh₹48,600₹66,300✓ Betterixigo AU by ₹17,700
₹4.75 lakh₹51,300₹66,500✓ Betterixigo AU by ₹15,200
₹5 lakh₹54,000₹66,600✓ Betterixigo AU by ₹12,600
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

MakeMyTrip ICICI Bank's MakeMyTrip myCash cannot be moved to any airline or hotel; ixigo AU's ixigo AU Reward Points cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

MakeMyTrip ICICI Bank

  • 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

2 more on its page

ixigo AU

  • Points are worth 1.25% ONLY as ixigo money in ixigo's app — 0.5% as cashback, ₹99+GST per redemption, and a 200-point minimum before you can redeem anything
  • Zero reward points on international spends, fuel, rent (MCC 6513), education, government, BBPS or wallet loads
  • Utility, telecom (MCC 4812/4814/4899/4900) and insurance (5960/6300) earn a REDUCED 1 point per ₹100, and insurance stops at 100 points a transaction — so a ₹50,000 premium earns the same 100 points as a ₹10,000 one

5 more on its page

Common questions 5 answered

Which is better, MakeMyTrip ICICI Bank or ixigo AU?

At every spend from ₹25,000 to ₹5 lakh a month, ixigo AU beats MakeMyTrip ICICI Bank, and its lead widens from ₹600 to ₹12,600 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: ixigo AU returns ₹19,900 a year in rewards to MakeMyTrip ICICI Bank's ₹8,100. On the rows below, MakeMyTrip ICICI Bank has no clear edge over ixigo AU.

MakeMyTrip ICICI Bank or ixigo AU: which is worth more at ₹3 lakh a month?

ixigo AU beats MakeMyTrip ICICI Bank by ₹17,200 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, MakeMyTrip ICICI Bank or ixigo AU?

ixigo AU: ₹0 — lifetime free against ₹999/yr. MakeMyTrip ICICI Bank waives its fee if you spend ₹3,00,000 a year; ixigo AU has no fee waiver.

Which gets you into more airport lounges, MakeMyTrip ICICI Bank or ixigo AU?

ixigo AU: 719 of the 792 lounges we track, against 715 for MakeMyTrip ICICI Bank. Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

MakeMyTrip ICICI Bank was last checked against its bank's own documents on 24 Oct 2026, ixigo AU on 26 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

Get the Monday mail: every fee and devaluation that moved on these cards and the rest, in ₹.

Double opt-in, one-click unsubscribe. Privacy

Sources

MakeMyTrip ICICI Bank was last checked against its bank's own documents on 24 Oct 2026, ixigo AU on 26 Oct 2026. Every fact above comes from these 11 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 11 sources
  1. Official Product page — 6 myCash/₹100 on MMT hotels, 3 on flights/buses/cabs, 1 on all other retail read
  2. Official MITC — ₹999 joining + ₹999 annual, fee reversal at ₹3,00,000; no forex mark-up and no DCC fee from 10 Nov 2026; fuel earns, a named exception to the no-points-on-fuel rule read
  3. Community CardInsider review (dual Mastercard+RuPay; UPI earns myCash) read
  4. Official MakeMyTrip ICICI Bank credit card product page — the earn and exclusion terms this card's spend-category rules are read against read
  5. Official ixigo co-brand product page — 5 RP/₹200 online/offline/UPI, LTF, 0% forex, 16 lounge visits, ₹2L trip protection, Visa + RuPay, ₹1,000 ixigo money + 1,000 RP welcome read
  6. Official AU product page — lifetime free, 2.5% rewards per ₹200 (10,000 RP/cycle), ₹99+GST redemption, 2-year point life, 8+8+1 lounges, new-to-bank-only ₹1,000 ixigo money read
  7. Official AU notice, Revision of ixigo AU Reward Points Usage T&C (w.e.f. 22-Dec-2024) — the MCC table cutting utility, telecom and insurance to a reduced rate and zeroing rent, education, BBPS, international read
  8. Official AU's current bank-wide MITC with Schedule of Charges (v2.22, 30 Sep 2026) — ixigo AU is lifetime free and the only AU card at 0% forex, 50-day interest-free period, ₹250/month fuel-surcharge cap read
  9. Community CardInsider — 2.5 RP/₹100, ₹0.50 ixigo money / ₹0.25 cashback / ₹0.20 vouchers, ₹99+GST redemption fee, 10,000 RP monthly cap, 5,000 RP quarterly milestone at ₹75k, lounge counts read
  10. Official AU Usage T&C (w.e.f. 10-Apr-2026) — the domestic lounge programme runs on AU's OWN 50+ room list, not a card scheme; ₹50,000 prior-quarter spend gate read
  11. Official AU's own domestic lounge list for every card except Zenith+ — 50 rooms in 24 cities (Adani, Encalm, Travel Club, 080, Earth, Primus, Pearl, Blackberry, Airr) read

Report a wrong fact on this page