MakeMyTrip ICICI Bank Credit Card review

ICICI Bank · Mastercard · points Official sources Checked 30 Oct 2026

At a glance

Annual fee: ₹999
Joining fee: ₹999
Fee waiver: ₹3,00,000 a year
Base return: 1% base
Point value: ₹1 per point
Domestic lounge: 2 per quarter for primary cardholder on spends of ₹75,000 in the previous quarter
International lounge: 1 per calendar year via Priority Pass, primary cardholder only

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	₹777	0.4%
Metro salaried ₹60k a month	₹7,680	1.1%
Family household ₹80k a month	₹9,984	1.0%
Frequent flyer ₹1.5L a month	₹20,640	1.1%
Online shopper ₹50k a month	₹6,000	1.0%
Rent-heavy ₹90k a month	₹7,200	0.7%

Fee maths: The ₹999 annual fee is waived at ₹3,00,000 a year of eligible spend, about ₹25,000 a month. Of our 6 profiles, 5 clear it; on first card, light spender you would pay the fee, which is 56% (₹1,776) of what that profile earns before the fee. On our 6 profiles it nets from ₹777 (first card, light spender) to ₹20,640 (frequent flyer), equal to 0.4% to 1.1% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹8,000 a month of total spend.

After fees and caps, best-case redemption. Use your own spend.

Our take: Built for people who book on MakeMyTrip: myCash of 6% on hotels and 3% on flights, cabs and buses there, 1% on other domestic spends, and no myCash on international spends outside MakeMyTrip from 10 November 2026. myCash can be spent only on MakeMyTrip, so we value it at ₹0.50 conservatively and ₹1 at best. The ₹999 joining and annual fee is reversed for the next year if you spend ₹3 lakh in the previous year, and the card gives a ₹1,000 MakeMyTrip voucher on the joining fee, two domestic lounge visits a quarter (₹75,000 prior-quarter spend) and a 0.99% forex markup.

From the card's terms: strengths

2 domestic lounge visits a quarter

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Flights & hotels	3	₹3	No cap found	On MakeMyTrip: 6% myCash on hotels, 3% on flights, holidays, cabs, buses (25 myCash per train booking), unlimited. Modelled at 3% (flight rate) on MMT share of travel spend.
Rent	0	₹0	No cap found	Rent payments excluded from myCash.
International (foreign currency)	0	₹0	No cap found	From 10 Nov 2026 no myCash on international spends outside MakeMyTrip (T&C section 6). Forex markup 0.99%.
Everything else, Amazon, Flipkart, Other online shopping, Groceries, Dining & food delivery, Fuel, Bills & utilities, Entertainment & OTT, Flights & hotels	1	₹1	No cap found	1% myCash on other domestic spends, no cap stated. Insurance 1% capped at 1,000 myCash per anniversary year.

Point value: 1 myCash = ₹1, but redeemable only on MakeMyTrip bookings (up to 100% of a booking); not cashable and not usable for gift cards or forex. From 10 Nov 2026 new myCash expires in 24 months.

Excluded or reduced

Rent, cash advances, joining/annual fees and other fees, EMI, balance transfers, personal loan on card earn nothing
No myCash on international spends outside MakeMyTrip from 10 Nov 2026
Insurance capped at 1,000 myCash per year

Other benefits

Welcome: ₹1,000 MakeMyTrip voucher on paying joining fee (valid 1 year); complimentary MMTBLACK Gold membership for a year on activation.
Renewal: ₹1,000 MakeMyTrip hotel voucher (valid 3 months) on payment of annual fee.
Forex markup 0.99%
25% off up to ₹150 on INOX tickets twice a month; BookMyShow same on ₹25,000 previous-quarter spend
3 months no-cost EMI on MakeMyTrip bookings
Late fee ₹100-1,300; interest 3.75% per month

Eligibility

Indian citizen over 21; salaried with monthly income ₹20,000 or self-employed with annual income ₹2.4 lakh.

Compare

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FAQ

What is the annual fee of the MakeMyTrip ICICI Bank Credit Card?

₹999 a year, waived at ₹3,00,000 annual spend. Fees exclude 18% GST.

How do MakeMyTrip ICICI Bank Credit Card rewards work?

1% base, 3% at partners, capped. 1 myCash = ₹1, but redeemable only on MakeMyTrip bookings (up to 100% of a booking); not cashable and not usable for gift cards or forex. From 10 Nov 2026 new myCash expires in 24 months.

Does the MakeMyTrip ICICI Bank Credit Card give airport lounge access?

Domestic: 2 per quarter for primary cardholder on spends of ₹75,000 in the previous quarter. International: 1 per calendar year via Priority Pass, primary cardholder only.

Who is the MakeMyTrip ICICI Bank Credit Card best suited to?

Built for people who book on MakeMyTrip: myCash of 6% on hotels and 3% on flights, cabs and buses there, 1% on other domestic spends, and no myCash on international spends outside MakeMyTrip from 10 November 2026. myCash can be spent only on MakeMyTrip, so we value it at ₹0.50 conservatively and ₹1 at best. The ₹999 joining and annual fee is reversed for the next year if you spend ₹3 lakh in the previous year, and the card gives a ₹1,000 MakeMyTrip voucher on the joining fee, two domestic lounge visits a quarter (₹75,000 prior-quarter spend) and a 0.99% forex markup. The ₹999 annual fee is waived at ₹3,00,000 a year of eligible spend, about ₹25,000 a month. Of our 6 profiles, 5 clear it; on first card, light spender you would pay the fee, which is 56% (₹1,776) of what that profile earns before the fee. On our 6 profiles it nets from ₹777 (first card, light spender) to ₹20,640 (frequent flyer), equal to 0.4% to 1.1% of spend across the profiles.