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 | 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
Does ICICI Bank MakeMyTrip Credit Card offer airport lounge access?
Yes. 2 domestic visits/quarter after ₹75,000 eligible prior-quarter spend; 1 international/year advertised
What are the MITC charges, annual fees, and interest rates for ICICI Bank MakeMyTrip Credit Card?
The annual renewal fee is ₹999 + GST; next year waived after spends over ₹3 lakh. 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. Check the current issuer MITC for other or missing charges.
What is the reward rate and point redemption value on ICICI Bank MakeMyTrip Credit Card?
Published earn rate: 6/3/1 points per ₹100 on MMT hotels/MMT travel/other retail; myCash value unverified. Check the current issuer terms for point value.
Which transactions are excluded from earning rewards on ICICI Bank MakeMyTrip Credit Card?
Reward exclusions are not specified in the verified card details. Check the issuer terms for any fuel surcharge waiver.
Who is ICICI Bank MakeMyTrip Credit Card best suited for in 2026?
The card details describe it as suited to MakeMyTrip users who can meet lounge and movie spend conditions. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: MakeMyTrip ICICI Bank Credit Card
The MakeMyTrip ICICI Bank Credit Card is a co-branded travel credit card designed in partnership between ICICI Bank and India’s premier online travel agency, MakeMyTrip. Offering exceptional cross-border utility and targeted travel rewards, this card provides an accessible ₹999 annual fee, an ultra-low 0.99% forex markup, and direct redemption flexibility on MakeMyTrip through its proprietary myCash currency.
Key Privileges and Practical Everyday Benefits
- Ultra-Low 0.99% Forex Markup:
- One of the most competitive travel features in the sub-₹1,000 annual fee category, the card slashes standard 3.5% foreign exchange charges down to 0.99% + taxes, saving international travelers ₹25,000+ per ₹10,00,000 spent abroad.
- Accelerated Earning on MakeMyTrip Bookings:
- Cardholders earn 6 points per ₹100 on MakeMyTrip domestic and international hotel reservations, 3 points per ₹100 on flights, bus, and outstation cab bookings, and 1 point per ₹100 on general retail purchases. Rewards credit directly as myCash into the cardholder’s linked MakeMyTrip account.
- Dual Network Issuance (RuPay & Mastercard):
- The card is available on both Mastercard and RuPay networks. On the RuPay variant, cardholders can link their card directly to UPI apps for daily merchant QR code transactions while accumulating rewards.
- Domestic & International Lounge Privileges:
- Domestic Airport Lounges: Up to 2 complimentary domestic lounge visits per calendar quarter (up to 8 visits annually) for the primary cardholder, enabled upon achieving the preceding-quarter spend criteria.
- International Airport Lounges: 1 complimentary international airport lounge visit per calendar year for the primary cardholder.
- Entertainment Discounts via BookMyShow:
- 25% off up to ₹150 twice every month on movie tickets booked through BookMyShow (subject to quarterly eligibility spend).
- Annual Spend Fee Waiver:
- The ₹999 + GST renewal fee is waived for the following year when total spends exceed ₹3 lakh in the preceding anniversary year.
Important Spend Conditions and Operational Criteria
To get the most value from the MakeMyTrip card, keep the following operational criteria in mind:
- Spend-Gated Domestic Lounges: Complimentary domestic airport lounge access requires ₹75,000 eligible spend in the preceding calendar quarter. The 1 annual international lounge visit operates independently of this domestic quarterly threshold.
- Spend-Gated Movie Discount: BookMyShow’s 25% discount requires ₹25,000 eligible spend in the preceding calendar quarter.
- myCash Usability: Reward points are converted into MakeMyTrip myCash, which can be applied directly towards hotel bookings, flight tickets, and holiday packages on the platform.
Who Benefits Most
- Frequent Vacationers & Holiday Planners: Travelers who routinely book flights, family hotels, and weekend getaways through MakeMyTrip.
- Overseas Travelers Seeking Low Forex Tariffs: Shoppers and travelers looking for an economical credit card with an industry-low 0.99% foreign exchange markup.
- RuPay UPI Enthusiasts: Consumers wanting a branded travel card that also functions seamlessly on daily UPI QR code merchant payments.
Independent Editorial & Statutory Disclaimers
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