Head-to-head · 🇮🇳 India
ICICI MMT Signature vs Axis Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI MMT Signature
Wins 6 of 10
IN
Premium
Axis Bank
Axis Reserve
VISA
Wins 3 of 10
Verdict
ICICI MMT Signature wins 6-3. MakeMyTrip loyalists — co-branded with strong travel benefits. Axis Reserve is still the right call if invitation-only super-premium — for ₹25l+/year spenders..
Side-by-side
| Criterion | ICICI MMT Signature | Axis Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹50,000 |
| Joining fee | ₹2,500 | · ₹50,000 |
| Top reward rate | 6% (travel) | · 5% (general) |
| Base reward rate | · 1.5% | 5% |
| Forex markup | · 2.5% | No FX fee |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹600,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹800,000 | · ₹5,000,000 |
| Min credit score | 770 | · 820 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
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
Axis Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›ICICI MMT Signature vs Axis Reserve: which is better?
ICICI MMT Signature wins on more dimensions (6 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 ICICI MMT Signature for its best categories, Axis Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI MMT Signature: ₹2,500 MMT Black holidays voucher. Axis Reserve: 50,000 EDGE points + Taj Epicure membership.