The verdict
The old lifetime-free renewal and railway-lounge claims conflict with the current card page. Value depends on qualifying-spend and myCash terms.
The maths for it
The page advertises up to 6 points/₹100 on MMT hotel bookings; point redemption value remains unresolved.
The maths against
No reliable net-return calculation is possible without myCash conversion, vouchers and offer conditions.
✓What works
- +Mastercard and RuPay variants are advertised.
- +0.99% forex markup is listed.
- +One international lounge visit yearly is advertised for primary cardholder.
✕What doesn't
- −Domestic lounge requires ₹75,000 eligible prior-quarter spend.
- −BookMyShow requires ₹25,000 eligible prior-quarter spend.
- −myCash redemption scope and value need checking.
What it earns
6/3/1 points per ₹100 in listed categories, credited as myCash; full redemption terms pending.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| MakeMyTrip hotels | 6 points / ₹100 | — | — |
| MakeMyTrip flight, bus and cab | 3 points / ₹100 | — | — |
| Other retail | 1 point / ₹100 | — | — |
Accelerated earn
MakeMyTrip booking points
6 points/₹100 hotels and 3 points/₹100 flight, bus and cab; full category terms pending.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| MakeMyTrip hotels | 6 points / ₹100 · 6 points / ₹100 | — | — |
| MakeMyTrip flight, bus and cab | 3 points / ₹100 · 3 points / ₹100 | — | — |
Redemption options
myCash redemption value, restrictions and expiry need separate verification.
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +2 domestic lounge visits/quarter after ₹75,000 eligible prior-quarter spend.
- +1 international lounge visit/year for primary cardholder advertised.
- +BookMyShow 25% off up to ₹150 twice monthly after ₹25,000 eligible prior-quarter spend.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining fee | ₹999 + GST |
| Annual fee | ₹999 + GST; next year waived after spends over ₹3 lakh |
| Forex markup | 0.99%; taxes and transaction rules pending |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Citizenship and age | Indian citizen over 21 |
| Salaried income | ₹20,000 monthly income stated |
| Self-employed income | At least ₹2,40,000 annually |
Frequently Asked Questions
Kya ICICI Bank MakeMyTrip Credit Card par airport lounge access milta hai?
Haan. 2 domestic visits/quarter after ₹75,000 eligible prior-quarter spend; 1 international/year advertised
ICICI Bank MakeMyTrip Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Annual renewal fee ₹999 + GST; next year waived after spends over ₹3 lakh hai. Fee waiver condition: Next annual fee waived after spends over ₹3 lakh; qualifying-spend rules pending. Foreign currency markup: 0.99%; taxes and transaction rules pending. Baaki ya missing charges ke liye bank ka current MITC check karein.
ICICI Bank MakeMyTrip Credit Card par reward rate aur points ki real rupee value kya hai?
Published earn rate: 6/3/1 points per ₹100 on MMT hotels/MMT travel/other retail; myCash value unverified. Point value ke liye bank ke current terms check karein.
ICICI Bank MakeMyTrip Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
Verified card details mein reward exclusions listed nahi hain. Fuel surcharge waiver ke liye bank ke terms check karein.
2026 mein ICICI Bank MakeMyTrip Credit Card kin users ke liye best suited hai?
Card details ke mutabik yeh "MakeMyTrip users who can meet lounge and movie spend conditions" ke liye suited hai. Apne spends aur annual fee se value compare karein.
Editorial Deep-Dive Analysis
Detailed Overview: MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI Bank Credit Card bank aur India ke leading travel aggregator ‘MakeMyTrip’ ke collaboration mein design kiya gaya ek smart co-branded travel credit card hai. Sirf ₹999 ke accessible annual charge mein yeh card rock-bottom 0.99% forex markup, RuPay UPI connectivity aur direct MakeMyTrip myCash reward earning deliver karta hai.
Key Privileges aur Everyday Benefits
- Unbeatable 0.99% Forex Rate:
- Sub-₹1,000 annual fee cards mein yeh market ka lowest foreign currency markup provide karta hai. Standard 3.5% charge ki jagah sirf 0.99% + taxes lagta hai, jisse overseas shopping, foreign hotel bookings aur flight tickets par heavy savings milti hain.
- Accelerated Earning on MakeMyTrip Bookings:
- MakeMyTrip par domestic/international hotel bookings par ₹100 spend karne par 6 points, flights, cabs aur bus bookings par 3 points per ₹100 aur regular retail spends par 1 point per ₹100 earn hota hai. Yeh rewards directly linked myCash balance mein add ho jaate hain.
- Dual Network Issuance (Mastercard & RuPay UPI):
- Card Mastercard aur RuPay dono networks par available hai. RuPay variant par cardholders ise Google Pay ya PhonePe se link karke daily merchant QR transactions par bhi rewards accumulate kar sakte hain.
- Domestic & International Lounge Privileges:
- Domestic Airport Lounges: Primary cardholder ke liye per calendar quarter 2 complimentary domestic lounge visits (saal mein total 8 visits), preceding quarter spend target achieve karne ke baad.
- International Airport Lounges: Overseas trips ke liye per calendar year 1 complimentary international airport lounge visit.
- Entertainment Perks via BookMyShow:
- BookMyShow par har month do baar 25% off (up to ₹150 per transaction), preceding quarter eligibility spend qualify hone par.
- Annual Spend Fee Waiver:
- Card anniversary year mein ₹3 lakh ka annual spend complete karne par agle saal ki ₹999 + GST renewal fee complete waive off ho jaati hai.
Important Terms jo Samajhna Zaroori Hai
Card ka right use karne ke liye kuch spend conditions note karein:
- Spend-Gated Domestic Lounges: Complimentary domestic airport lounge access ke liye preceding calendar quarter mein ₹75,000 ka eligible spend complete hona zaroori hai. Note karein ki annual 1 international lounge visit is quarterly hurdle se separate hai.
- Spend-Gated Movie Discount: BookMyShow discount avail karne ke liye preceding calendar quarter mein ₹25,000 ka eligible spend required hota hai.
- myCash Usability: Points MakeMyTrip myCash currency mein convert hote hain, jise platform par flights, hotels aur holiday packages book karne ke liye direct deduct kiya ja sakta hai.
Yeh Card Kinke Liye Best Fit Hai
- Frequent Vacationers & Holiday Planners: Jo regular MakeMyTrip se hotels, flights aur staycations book karte hain.
- Travelers Looking for Low Forex Markups: Jo overseas spending ke liye ek economic card chahte hain jisme industry-lowest 0.99% forex fee mile.
- RuPay UPI Enthusiasts: Jo ek travel card chahte hain jo rozmarra ke UPI merchant QR payments par bhi seamlessly work kare.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.
⚖️ Trademark & Intellectual Property Ownership:Is page par mention kiye gaye sabhi registered trademarks, brand names, aur card titles—jaise ki ICICI Bank, HDFC Bank, Axis Bank, SBI Card, ICICI Bank, RBL Bank, American Express, Visa, Mastercard, RuPay—unke respective banks ke exclusive intellectual property hain. CredSutra in marks par koi ownership claim nahi karta.
🏛️ Nominative Fair Use (Trade Marks Act, 1999):Brand aur card names ka use Trade Marks Act 1999 Section 30 ke tehat strictly comparative identification aur consumer education purpose ke liye kiya gaya hai. CredSutra ICICI Bank se affiliated ya endorsed nahi hai.
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📋 Official Bank Terms & MITC Verification:Reward rates aur fees publicly available bank circulars aur MITC documents par based hain. Apply karne se pehle official bank portal par terms zaroor verify karein. Approval ka final decision exclusively ICICI Bank ke paas hota hai.
Read Full Legal & Regulatory Disclaimers →Section 30 Trade Marks Act, 1999 & Rule 3(2) IT Rules 2021