Travel credit cards help you unlock flight discounts, hotel savings, lounge access, and reward points that reduce your overall travel cost. Two popular choices in India are the ICICI Bank MakeMyTrip Credit Card and the Axis Bank Miles & More Credit Card.
Both focus on travel but are designed for very different types of travelers. This guide helps you compare them easily and decide which card fits your lifestyle.
Overview of Both Cards
ICICI MakeMyTrip Credit Card
Best for people who frequently use MakeMyTrip for flights and hotels.
Axis Bank Miles & More Credit Card
Best for international flyers, especially Lufthansa, Swiss, Austrian Airlines, Air Canada, and other Star Alliance carriers.
1. Reward Structure: myCash vs Miles
ICICI MakeMyTrip Credit Card
- Earn 5%–6% myCash on MakeMyTrip hotel bookings.
- Earn 3% myCash on flights and holiday packages.
- Earn 1% myCash on all other spends.
- myCash is redeemable on flights, hotels, holidays, and MMT services.
Axis Bank Miles & More Credit Card
- Earn Air Miles on all spends.
- Higher miles on international travel and airline purchases.
- Miles can be redeemed for international flight tickets, seat upgrades, hotel stays, and partner rewards.
- Works across Star Alliance global partners.
Who wins?
- If you travel mostly domestic, ICICI MakeMyTrip wins.
- If you travel international (especially Europe/US), Miles & More is far more rewarding.
Read More: Best Reward Points Credit Card
2. Travel Benefits
ICICI MakeMyTrip Credit Card
- Discounts on MMT flight bookings.
- Discounts on MMT domestic and international hotels.
- Good for budget and mid-range travel.
Axis Bank Miles & More Credit Card
- Earn miles faster on airline spends.
- Use miles for international routes at a lower cost.
- Ideal for business travelers and frequent EU/US flyers.
Who wins?
Miles & More clearly offers stronger global travel perks.
Read More: Best Travel Credit Card
3. Airport Lounge Access
ICICI MakeMyTrip Credit Card
- Limited domestic lounge access (depending on variant).
Axis Bank Miles & More Credit Card
- Free domestic lounge access across major airports.
- Complimentary international lounge access through Priority Pass (only with higher variant).
Who wins?
Axis Miles & More offers better lounge access, especially internationally.
Read More: Best Airport Lounge Access Credit Card
4. Annual Fees and Value
Who wins?
- If you want a budget-friendly travel card, ICICI is ideal.
- If you are a frequent international traveler, Miles & More justifies the higher fee.
5. Additional Privileges
ICICI MakeMyTrip Credit Card
- Contactless payments.
- Cashback and discounts on MakeMyTrip sales.
- Access to MakeMyTrip Black loyalty benefits depending on usage.
Axis Miles & More Credit Card
- Travel insurance, including overseas protection.
- Fuel surcharge waiver.
- Higher tier benefits for airline loyalty programs.
- Great for users who fly Lufthansa or Star Alliance often.
6. Which Card Should You Choose?
Choose ICICI MakeMyTrip Credit Card if:
- You frequently book via MakeMyTrip.
- You want higher domestic travel savings.
- You prefer a low annual fee card.
- You want simple rewards like myCash usable instantly.
Choose Axis Miles & More Credit Card if:
- You travel internationally multiple times a year.
- You fly Lufthansa, Swiss, Austrian, United, or Star Alliance airlines.
- You want to collect air miles for future flights and upgrades.
- You prefer premium airport lounge access.
Conclusion
Both cards are strong but cater to different types of travelers.
Choose a card based on your travel pattern so you can maximize rewards, save more on flights, and enjoy a smoother travel experience.