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ICICI Bank
MakeMyTrip ICICI Bank Credit Card
- Joining fee incl. GST
- ₹1,179
- Renewal fee incl. GST
- ₹1,179
- Conditional welcome value
- Up to ₹1,000
- Forex markup
- 0.99%
- Interest p.a.
- 45%
- Min income (salaried)
- ₹20,000/mo
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. On payment of the joining fee; paying the annual fee grants a further Rs.1,000 MakeMyTrip hotel voucher valid 3 months
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Generic notice and product FAQ conflict on the lounge spend gate. Transaction exclusions and ongoing fee/renewal benefits are not fully modelled.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Travel Only the qualifying merchants or payment route below 6 myCash per Rs.100 on MakeMyTrip hotel bookings (1 myCash = Rs.1, so 6% value-back). Flights, holidays, cabs and buses earn 3 myCash per Rs.100 (3%). Value shown is the top hotel-booking rate; flights/cabs/buses effectively 3%. | 6% | Unverified |
Travel Only the qualifying merchants or payment route below 3 myCash per ₹100 on eligible MakeMyTrip flights, buses and cabs. Other booking categories require their own terms. | 3% | Unverified |
| Other eligible purchases | 1% | — |
Excluded from ordinary earning: Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Key benefits
- Airport lounge access — 2/quarter domestic, 1/year international (The product FAQ requires ₹75,000 in the preceding quarter for domestic visits; the generic bank notice exempts this product. Confirm your account entitlement. International allowance is separate, for the primary holder.)
- 6% myCash on MakeMyTrip hotel bookings
- 3% myCash on eligible flights, cabs and buses
- 1% myCash on all other retail spends
- Rs.1,000 MakeMyTrip welcome voucher
- Complimentary 1-year MMTBLACK Gold membership
- 25% off up to Rs.150 on movie tickets, twice a month, via INOX and BookMyShow; from 01 Apr 2026 this requires Rs.25,000 of spend in the preceding spends quarter
- Unlimited myCash with no expiry
- Low 0.99% foreign currency markup
- 1% fuel surcharge waiver
- 3 months' no-cost EMI on MakeMyTrip bookings
- Dining discounts through the ICICI Culinary Treats programme
- myCash is usable on MakeMyTrip and cannot be withdrawn to a bank account. Paid renewal’s ₹1,000 hotel voucher expires after three months and is excluded from ongoing estimates.
What we like
- +Strong 6% myCash on MMT hotels and 3% on eligible flights/cabs/buses
- +myCash is worth ₹1 for eligible MakeMyTrip bookings while the account remains active
- +Low 0.99% foreign currency markup - good for overseas travel
- +Welcome voucher plus MMTBLACK Gold membership
What to watch
- −Best rewards locked to the MakeMyTrip ecosystem
- −Only 1% on non-travel spends
- −Domestic lounge gate conflicts between the product FAQ and generic bank notice
- −RuPay/MasterCard only - no Visa variant
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