The same bank card can be worth a completely different amount depending which platform you book on — Axis Bank on MakeMyTrip caps at ₹7,500 (or ₹12,500 on a business fare), while Axis on Cleartrip is worth up to 15% with no stated cap on some cards. Before you pick a platform out of habit, it's worth knowing what each one is actually running right now.
MakeMyTrip
MakeMyTrip's strongest codes are bank-EMI based: Canara Bank's MMTCANARA gives 12% (max ₹1,800) domestic or 10% (max ₹5,000) international, and Axis Bank's MMTAXISBIZ is worth 20% up to ₹12,500 on eligible international business fares — one of the highest single caps across all four platforms. On payment apps, MobiKwik's MBKNEW is squarely a new-user code: 10% off (up to ₹599) plus up to ₹1,000 cashback on a first MobiKwik booking above ₹4,000.
Goibibo
Goibibo runs many of the same bank-EMI codes as MakeMyTrip under different names (GIHDFC, GOCANARA), plus its own cash-based perks — GOFLYHIGH bundles goCash with Uber cab credit, and Amazon Pay's GIAMZ gives up to ₹600 cashback. If you're comparing on a like-for-like card offer, Goibibo and MakeMyTrip tend to land close together since several issuers run near-identical caps on both.
Ixigo
Ixigo has the widest spread of small-issuer codes — AU Small Finance Bank, IDFC FIRST, J&K Bank and RBL Bank all show up here with dedicated EMI or instant-discount codes, most capped between ₹1,000–₹5,000. It also runs a flat RuPay code (8% off, up to ₹1,000) that isn't listed on the other three platforms, which matters if RuPay is your primary card network.
Cleartrip
Cleartrip has by far the deepest bank library — HDFC, ICICI, Kotak, HSBC, AU, Federal, PNB, YES Bank, Bajaj Finserv and more all have live instant-discount or EMI codes, most in the 10–15% range capped around ₹1,500. It's also the only one of the four with a dedicated student code (STUDENTFEST, up to ₹10,000 off international fares) and a spread of airline-specific sale codes on Qatar Airways, Etihad, Malaysia Airlines and EgyptAir.
Don't forget the convenience fee
A 15% Cleartrip discount and a 10% MakeMyTrip discount aren't automatically the winner-take-all comparison they look like — most platforms add a payment convenience fee on card and net-banking transactions that quietly eats into the headline discount. UPI payments are typically fee-free, so a smaller UPI-specific code (like Cleartrip's CTUPI, up to ₹2,000 domestic / ₹5,000 international) can beat a bigger card percentage once fees are subtracted. Always check the convenience-fee line before comparing platforms on percentage alone.
- Same bank, different platform: check the cap, not just the percentage.
- Small-issuer cardholders (AU, J&K Bank, IDFC FIRST): Ixigo usually has the most dedicated codes.
- Big single caps: MakeMyTrip's business-fare Axis code and ICICI's EaseMyTrip EMI code lead the pack.
- Paying by UPI: compare the fee-free UPI code before assuming the card discount wins.
The takeaway
There's no single best platform — there's a best platform for your specific card and fare. Pull up your bank's offer on all four before you book, subtract any convenience fee, and let the net number decide. Browse today's full list across every provider and platform on our offers page.
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