2.5 pts / ₹100
Strong data Pairwise comparison
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AU Small Finance Bank ixigo vs ICICI Bank MakeMyTrip Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank ixigo and the ICICI Bank MakeMyTrip. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ixigo for travel and spending abroad.
Head-to-head
Three core metrics- Annual fee ixigo saves ₹999/yrixigo ₹0MakeMyTrip ₹999 Waivable at ₹3,00,000 spend
- Forex markup ixigo saves ~₹990 per ₹1L abroadixigo 0%MakeMyTrip 0.99%
- Domestic lounge ixigo 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)MakeMyTrip 8/year (2 per quarter)
Reward earning explained
Per card1 myCash / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs ICICI Bank MakeMyTrip: ₹999), forex markup (0% vs 0.99%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).
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Travel AU Small Finance Bank ixigo wins AU Small Finance Bank ixigo is better for travel
AU Small Finance Bank ixigo is stronger here. AU Small Finance Bank ixigo is cheaper for international spend (0% vs 0.99% forex).
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Forex markup AU Small Finance Bank ixigo wins AU Small Finance Bank ixigo is better for forex
AU Small Finance Bank ixigo is stronger here. AU Small Finance Bank ixigo has a lower forex markup (0% vs 0.99%).
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: AU Small Finance Bank ixigo is not safely INR-comparable (no usable point value). ICICI Bank MakeMyTrip conservative base value ~1% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- MakeMyTrip ICICI Bank: ~₹500/month at base rate
- ixigo AU: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | ixigo AU Small Finance Bank | MakeMyTrip ICICI Bank |
|---|---|---|
| Insurance — Air accident cover Only available for MakeMyTrip ICICI Bank | Not specified | ₹1 crore |
| Insurance — Personal accident cover Only available for MakeMyTrip ICICI Bank | Not specified | ₹1 crore |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits | 1 per year | 1 per year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0% vs 0.99% | 0% | 0.99% |
| Fees | ||
| Recurring annual fee ₹0 vs ₹999 | ₹0 | ₹999 |
| Annual-fee waiver Only available for MakeMyTrip ICICI Bank | Not specified | ₹3,00,000 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit Only available for ixigo AU | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 2.5 pts / ₹100 vs 1 myCash / ₹100 | 2.5 pts / ₹100 | 1 myCash / ₹100 |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling | Not stated | Not stated |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for MakeMyTrip ICICI Bank | Not specified | ₹1 |
Notes
- ixigo AU Credit Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
AU Small Finance Bank ixigo
Verify with issuer , opens external siteICICI Bank MakeMyTrip
Verify with issuer , opens external site