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ICICI Bank

MakeMyTrip ICICI Bank Credit Card

4.3Best for travel

Lounge access

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Travel 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%	—	₹7,200
All other spends	1%	—	₹1,200

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹999

Annual fee₹999

Annual fee waiverAnnual fee waived on spend of Rs.3,00,000 in previous year

Foreign currency markup0.99%

Finance charge (p.a.)45%

Fuel surcharge waiver1%

Airport lounge access — 2/quarter domestic, 1/year international (Lounge access unlocked by Rs.75,000+ spend in previous quarter)
6% myCash on MakeMyTrip hotel bookings
3% myCash on flights, holidays, cabs and buses
1% myCash on all other retail spends
Rs.1,000 MakeMyTrip welcome voucher
Complimentary 1-year MMTBLACK Gold membership
Unlimited myCash with no expiry
Low 0.99% foreign currency markup
1% fuel surcharge waiver

Lifetime free

ICICI Bank

4.6

Best for online shopping

Premium

ICICI Bank

4.6

Best for bill payments

Lounge access

ICICI Bank

4.3

Best for fuel spends