Head-to-head · 🇮🇳 India
ICICI MMT Signature vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI MMT Signature
Wins 5 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 4 of 10
Verdict
ICICI MMT Signature wins 5-4. MakeMyTrip loyalists — co-branded with strong travel benefits. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI MMT Signature | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹2,500 | ₹2,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 6% (travel) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | 2.5% | · 3.5% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹600,000 / yr | ₹350,000 / yr |
| Min income | · ₹800,000 | ₹600,000 |
| Min credit score | · 770 | 760 |
| Editorial rating | 4.4/5 | · 4/5 |
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
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›ICICI MMT Signature vs ICICI Rubyx: which is better?
ICICI MMT Signature wins on more dimensions (5 vs 4). 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, ICICI Rubyx 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. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.