MakeMyTrip ICICI Bank Credit Card benefits
- Travel6%
myCash on MakeMyTrip hotels and 3% on flights, holidays, cabs and buses
with no cap
- Gift₹1,000
MakeMyTrip voucher on joining and a ₹1,000 hotel voucher on renewal
- Fees₹999
fee plus GST, reversed on ₹3 lakh of yearly spends
Good to know
- 1% myCash on other domestic spends, with 1 myCash = ₹1
- No forex markup from 10 November 2026
MakeMyTrip ICICI Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| MakeMyTrip3% myCash on flights, holiday packages, cabs and buses booked on MakeMyTrip, with no limit. | 3 points per ₹100 | None |
| MakeMyTrip6% myCash on hotel bookings on MakeMyTrip, with no limit. Left out of the maths so a mix of trips is not overstated. | 6 points per ₹100 | None |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Rent, cash advances, EMI transactions, balance transfers, loans on the card, card fees, and from 10 November 2026 international spends outside MakeMyTrip.
All reward rules
- Rewards come as myCash in your MakeMyTrip account. ICICI Bank's terms say 1 myCash = ₹1. You can use it for up to 100% of a booking, but not for gift cards or foreign exchange, and it cannot be moved to a bank account.
- 1% myCash on other domestic spends, with no limit. ICICI Bank's MITC does not block fuel from earning on this card.
- Train bookings on MakeMyTrip earn a flat 25 myCash each. Insurance earns 1%, up to 1,000 myCash a card year.
- myCash earned from 10 November 2026 is valid for 24 months. myCash credited before that date does not expire.
- Joining benefit: a ₹1,000 MakeMyTrip voucher, valid for 12 months, after you pay the joining fee. Renewal benefit: a ₹1,000 hotel voucher, valid for 3 months, after you pay the annual fee.
- A free MMTBLACK Gold membership on card activation, without the MMTBLACK myCash benefit.
- Older variants: ICICI Bank no longer accepts applications for the MakeMyTrip ICICI Bank Signature (₹2,500 joining fee) and Platinum (₹500 joining fee) cards. Those keep a 3.5% forex markup.
What the MakeMyTrip ICICI Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern, using MakeMyTrip where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹4,000 | 1% | ₹480 |
| Online shopping | ₹3,000 | 1% | ₹360 |
| Travel | ₹14,000 | 3% | ₹5,040 |
| Fuel | ₹1,000 | 1% | ₹120 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹6,960 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹6,960* |
MakeMyTrip ICICI Bank Credit Card annual fee and charges
- Joining fee
- ₹999
- Annual fee
- ₹999
- Fee waiver
- ₹3,00,000 a year
- Foreign currency markup
- 0%
Fees are before GST. From the second year, the ₹999 renewal fee is reversed if you spent ₹3 lakh or more in the previous card year, but then you do not get the ₹1,000 renewal hotel voucher. ICICI Bank's MITC sets no foreign currency markup and no dynamic currency conversion fee on this card from 10 November 2026.
MakeMyTrip ICICI Bank Credit Card eligibility
- Age
- 21 or above
- Salaried income
- ₹2,40,000 a year
- Self-employed income
- ₹2,40,000 a year
Indian citizens over 21. Salaried: monthly income of ₹20,000. Self-employed: yearly income of ₹2.4 lakh. You apply through the MakeMyTrip app.
The bank alone decides approval and your credit limit.
MakeMyTrip ICICI Bank Credit Card lounge access
8 domestic and 1 international visits a year. Banks often set a spend condition, so read the reward rules above.
2 domestic lounge visits each quarter if you spent ₹75,000 or more in the previous quarter, and 1 international visit a calendar year with Priority Pass. Primary cardholder only.
Is the MakeMyTrip ICICI Bank Credit Card right for you?
A card with a ₹999 fee that spending can waive, paying 3% at MakeMyTrip and an above-average 1% elsewhere.
Worth its fee if you spend about ₹6,000 a month or more. Below that, the ₹999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at MakeMyTrip: the card pays 3% back there, against 1% on most other spends.
- You spend ₹3,00,000 a year or more (about ₹25,000 a month), so the ₹999 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 0%, against a typical 3.5% on the cards we list.
- You fly a few times a year: it includes 8 domestic and 1 international airport lounge visits a year.
Not for you if
- You spend less than about ₹25,000 a month: you would pay ₹1,179 a year with GST.
- You rarely use MakeMyTrip: outside it the card pays 1%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to MakeMyTrip ICICI Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| MakeMyTrip ICICI Bank Credit Card | ₹999 | 6% | ₹3,600* |
| BOBCARD TIARA Credit Card | ₹2,499 | 3.75% | ₹4,590* |
| HDFC Bank RuPay IRCTC Credit Card | ₹500 | 5% | ₹3,240* |
If most of your spending looks like the example above, the BOBCARD TIARA Credit Card may suit you better: it would leave you ₹9,090 a year, against ₹6,960 with the MakeMyTrip ICICI Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Does the MakeMyTrip ICICI card charge a forex markup?
No. ICICI Bank's MITC sets no foreign currency markup and no dynamic currency conversion fee on this card from 10 November 2026. But from the same date, international spends outside MakeMyTrip earn no myCash.
How much is myCash worth on the MakeMyTrip ICICI Bank Credit Card?
1 myCash is worth ₹1 on MakeMyTrip bookings. A ₹10,000 hotel booking on MakeMyTrip gives 600 myCash, which takes ₹600 off a later booking. myCash cannot be cashed out.
Does myCash from the MakeMyTrip ICICI card expire?
myCash earned from 10 November 2026 is valid for 24 months. myCash credited before that date does not expire while the card is active.
Can I still get the MakeMyTrip ICICI Signature or Platinum card?
No. ICICI Bank has stopped taking applications for both. The MakeMyTrip ICICI Bank Credit Card, issued as a Mastercard and a RuPay card together, is the one on offer now.