AU Bank Zenith vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 5-3. MakeMyTrip loyalists — co-branded with strong travel benefits. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | ICICI MMT Signature |
|---|---|---|
| Annual fee | · ₹7,500 | ₹2,500 |
| Joining fee | · ₹7,500 | ₹2,500 |
| Top reward rate | 10% (travel) | · 6% (travel) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | 2% | · 2.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | · ₹800,000 / yr | ₹600,000 / yr |
| Min income | · ₹1,200,000 | ₹800,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›AU Bank Zenith vs ICICI MMT Signature: which is better?
ICICI MMT Signature wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, ICICI MMT Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. ICICI MMT Signature: ₹2,500 MMT Black holidays voucher.