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MakeMyTrip ICICI Bank Credit Card
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Card DetailICICI · MASTERCARD · Mid tier

MakeMyTrip ICICI Bank Credit Card

For travellers who book everything through MakeMyTrip, the MakeMyTrip ICICI card is a quietly excellent deal — 6% myCash on hotels, 3% on flights, cabs and buses, 1% elsewhere (myCash redeems at ₹1), MMTBLACK Gold status, and a class-leading 0.99% forex markup, all for ₹999 (waived at ₹3 lakh). A ₹1,000 MMT voucher welcomes you and another lands each year on fee payment, and the card replaced the discontinued MMT Signature and Platinum. Its long-running exemption from ICICI's lounge spend-gate lapsed on 30 Jun 2026, so domestic lounge visits (2 a quarter) now need ₹75,000 of spend in the preceding quarter; the one international visit a year remains. Insurance premiums earn 1% but only to 1,000 myCash an anniversary year. The catch is the co-brand one: your value lives inside MMT, and the platform's pricing can quietly erode it. Superb if you book MMT anyway; a trap if you price-shop.

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ICICI BankMID
MakeMyTrip ICICI Bank Credit Card
ICICI Bank
MakeMyTrip ICICI Bank Credit Card

Illustration by CardAdvisor — not a depiction of the issued card. Independent; not affiliated with ICICI Bank.

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★ 4.2 / 5 · CardAdvisor rating•Issued by ICICI Bank•Updated
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4.2
out of 5
Mid tier
For a MakeMyTrip loyalist this co-brand compounds beautifully — 6% on hotels, MMTBLACK status and a genuinely rare 0.99% forex on a ₹999 card. The lounge access is no longer the free extra it was: from 1 Jul 2026 it needs ₹75,000 a quarter like the rest of ICICI's range. And you are marrying the platform: MMT's fare pricing can quietly claw back what the card pays, so it only wins if you book MMT anyway.
Annual fee₹1,179 incl. GST
Fee waiver₹3,00,000 spend
Top rate~1%–6%
Best forFrequent MakeMyTrip travellers booking hotels and flights
~₹1,000
Welcome benefit
₹20,000
Min income / month (salaried)
0.99%
Forex markup
~₹7,000
Total perk value / yr

In-depth review

MakeMyTrip ICICI Bank Credit Card

For travellers who book everything through MakeMyTrip, a quietly excellent deal — 6% myCash on MMT hotels, 3% on flights, cabs and buses, MMTBLACK Gold status and a class-leading 0.99% forex markup, all for ₹999. The card's long-running exemption from ICICI's lounge spend-gate lapsed on 30 June 2026. The catch is the co-brand one: your value lives inside MMT, and the platform's pricing can quietly erode it. Superb if you book MMT anyway; a trap if you price-shop.

Read the full review →

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹1,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days

⭐

6 points/₹100 on Travel (~6% value)

6% myCash on MakeMyTrip hotel bookings (myCash = ₹1). Split from the flight/bus/cab row because the two legs earn different rates and share no cap — a single row would price all MMT travel at the hotels-only 6%

⭐

3 points/₹100 on Travel (~3% value)

3% myCash on MakeMyTrip flight, bus and cab spends (myCash = ₹1)

✈️

Airport Lounge Access

2 domestic lounge visits a quarter (up to 8 a year), unlocked by ₹75,000 of spend in the preceding calendar quarter since 1 Jul 2026, plus 1 international visit a year via Priority Pass — primary cardholder only

💳

Annual Fee Waiver

Fee of ₹999 + 18% GST (₹1,179 all-in)/yr fully waived when you spend ₹3,00,000/year

🏨

Hotel Membership

Complimentary one-year MMTBLACK Gold membership with travel discounts; ICICI excludes the programme's own myCash benefit from the complimentary tier

✈️ TRAVEL BENEFITS

Lounge access, miles, forex rates and travel perks at a glance.

AIRPORT LOUNGE ACCESS

8 visits/yr

Domestic lounges

Priority Pass

International lounges

₹5,000

Estimated annual value

0.99%

Forex markup

6.0%

Travel reward rate

AIRLINE / TRAVEL PARTNERS

MakeMyTrip hotelsMakeMyTrip flightsbuses & cabs
  • Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹5,000)
  • Miles on: MakeMyTrip hotels, MakeMyTrip flights, buses & cabs
  • 6.0% effective return on travel bookings
  • Low forex markup: 1.0%
Who is this for?

For MakeMyTrip power users who book flights and hotels through MMT regularly and will also use the 0.99% forex abroad. Not for price-shoppers who compare across travel portals.

Full reward structure

What you earn on every rupee, per spend category — as of 15 Oct 2026. Rates assume 1 pt = ₹1.00. How we value points →

CategoryTypeRateMonthly cap
Travelonly at MakeMyTrip hotelsreward points6%6 pts/₹100 × ₹1.00—
Travelonly at MakeMyTrip flights, buses & cabsreward points3%3 pts/₹100 × ₹1.00—
Otherreward points1%1 pts/₹100 × ₹1.00—
Insurancereward points1%1 pts/₹100 × ₹1.00—

Travel: 6% myCash on MakeMyTrip hotel bookings (myCash = ₹1). Split from the flight/bus/cab row because the two legs earn different rates and share no cap — a single row would price all MMT travel at the hotels-only 6% · MakeMyTrip hotels

Travel: 3% myCash on MakeMyTrip flight, bus and cab spends (myCash = ₹1) · MakeMyTrip flights, buses & cabs

Other: 1% myCash on all other spends

Insurance: 1% myCash on insurance premiums, capped at 1,000 myCash per anniversary year — about ₹1 lakh of premium a year, after which insurance earns nothing

Earns nothing on: Rent · Cash Advances · Wallet Loads

These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.

Fees & charges

The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 15 Oct 2026.

Real annual cost: ₹999 + 18% GST = ₹1,179 all-in. Joining fee ₹999 + 18% GST = ₹1,179 all-in. Issuers quote fees before tax — the all-in figure is what you actually pay if the waiver isn’t met.
ChargeAmount
Annual fee (incl. 18% GST)₹1,179
Joining fee (incl. 18% GST)₹1,179
Renewal benefitCredited each year the annual fee is charged; none in a year it is waived on ₹3,00,000 of spend.≈ ₹1,000
Finance charge (APR)3.75% p.m.
Forex markup0.99%

Perks & benefits

Estimated annual value beyond rewards — ~₹7,000/yr in total.

🏨
hotel membership~₹2,000/yr

Complimentary one-year MMTBLACK Gold membership with travel discounts; ICICI excludes the programme's own myCash benefit from the complimentary tier

Domestic
✈️
lounge access~₹5,000/yr

2 domestic lounge visits a quarter (up to 8 a year), unlocked by ₹75,000 of spend in the preceding calendar quarter since 1 Jul 2026, plus 1 international visit a year via Priority Pass — primary cardholder only

DomesticInternational2/quarter

Should you get it?

  • Best for: Frequent MakeMyTrip travellers booking hotels and flights, Travellers who spend abroad and want a 0.99% forex markup on a sub-₹1,000 fee
  • Mid tier — a solid all-rounder for steady monthly spend.
  • Strongest value if you spend heavily on everyday spends (1% back; 6% only at MakeMyTrip hotels).
  • Frequent travellers benefit from the included airport lounge access.

Pros & cons

✓ Pros

  • 6% myCash on MakeMyTrip hotels and 3% on MMT flights, cabs and buses
  • ₹1,000 MakeMyTrip voucher on joining and another each year on fee payment
  • 0.99% forex markup — among the lowest on any Indian card
  • myCash never expires

✕ Cons

  • Best value is locked into MakeMyTrip bookings
  • Only 1% myCash on non-MMT spends
  • Domestic lounge access has needed ₹75,000 of quarterly spend since 1 July 2026
  • Insurance earning stops at 1,000 myCash an anniversary year
  • Annual fee waiver needs ₹3 lakh of spend

Eligibility & documents

Age21+ years
Min. income (salaried)₹20,000/mo

This is the figure for salaried applicants. Where ICICI Bank sets a separate one for the self-employed, its own eligibility page gives it.

How to redeem rewards

Ways to convert what you earn into real value.

  • 🎁Redeem myCash on MakeMyTrip for flights, hotels and holidays (1 myCash = ₹1)
  • 🎁Use the annual MakeMyTrip vouchers toward bookings

What your ICICI Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement creditBEST

1 RP = ₹0.40 against the statement — ICICI's only published rate

₹0.40/pt
Amazon / Flipkart vouchersBEST

Voucher store; ICICI publishes only an 'up to ₹1' ceiling, never a realised rate

₹0.40/pt
iShop flights & hotelsBEST

iShop travel; rate is set per card at checkout, so the ₹1 ceiling is not a value

₹0.40/pt
Compare what every reward currency is worth →
The concern

Rewards live and die inside MakeMyTrip — fare markups on the platform can silently offset the myCash, and the value collapses if you shop fares across portals.

Frequently asked questions

What is MMTBlack?
MMTBLACK is MakeMyTrip's loyalty programme — this co-brand comes with a complimentary one-year MMTBLACK Gold membership, carrying priority customer service and member deals.
What earns 6%?
Hotel bookings made directly through MakeMyTrip. Flight, bus and cab spends on MMT earn 3%, and everything else earns 1%. In effective-return terms this card's best everyday earn is 1% on everyday spends — percentages here are the real return after converting points at their card-specific value, not the headline points-per-₹100. It reaches 6% at MakeMyTrip hotels, and only there. Figures as of October 2026.
Can MMT rewards be used for hotel stays?
Yes — MMTBlack rewards can be redeemed for flights, hotels, and holiday packages on MakeMyTrip. No blackout dates.
What is the annual fee?
₹999/year, waived if you spend ₹3 lakh in the preceding year. The renewal fee is ₹999 plus 18% GST — ₹1,179 all-in, which is the figure that actually hits the statement. Spending ₹3,00,000 in the card year waives the renewal fee — about ₹25,000 a month. Figures as of October 2026.
Is there lounge access?
Yes, but it is now spend-gated. Until 30 June 2026 this card was exempt from ICICI's lounge spend-gate; since 1 July 2026 you need ₹75,000 of spend in a calendar quarter to unlock 2 domestic visits in the next one (up to 8 a year). The 1 international visit a year via Priority Pass stands. As per the card's current benefit schedule: 2 domestic lounge visits a quarter (up to 8 a year), unlocked by ₹75,000 of spend in the preceding calendar quarter since 1 Jul 2026, plus 1 international visit a year via Priority Pass — primary cardholder only. Figures as of October 2026.
Is insurance spend capped?
Yes — insurance premiums earn 1% myCash but only up to 1,000 myCash per anniversary year, roughly ₹1 lakh of premium. Above that, insurance spend earns nothing.
How has the MakeMyTrip ICICI Bank Credit Card changed over time?
Our dated Value Timeline for the MakeMyTrip ICICI Bank Credit Card (on this page) records 4 changes since 2024: 3 devaluations, 0 improvements, and the rest neutral changes such as launches or restructures. The most recent entry: Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate (1 July 2026). Each event carries its source, so any figure here can be checked against the issuer's own documents. It also lists changes scheduled to take effect later, the next being New myCash expires after 24 months (10 November 2026).
Has the MakeMyTrip ICICI Bank Credit Card been devalued recently?
Yes — our record shows 3 devaluations to the MakeMyTrip ICICI Bank Credit Card in the last 24 months. The most recent: Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate, effective 1 July 2026 — from Lounge visits with no spend condition to ₹75,000 of spend in the preceding calendar quarter. The full dated list, with what changed and its source, is in the Value Timeline on this page.
When did the MakeMyTrip ICICI Bank Credit Card's fees last change?
1 March 2026: Minimum Amount Due rebuilt as a two-branch formula — from 5% of the outstanding amount, plus instalments, the over-limit amount, fee GST and any unpaid previous MAD to 100% of GST, EMI principal and interest, fees, the over-limit amount and unpaid MAD, plus 5% of retail spends, cash advances and the finance charge — the finance charge taken in full whenever that 5% falls short of it. The current fee schedule is in the fees table on this page; the Value Timeline lists every earlier fee change we have on record.
How did the MakeMyTrip ICICI Bank Credit Card change in 2026?
Our record shows 3 changes to the MakeMyTrip ICICI Bank Credit Card in 2026 (3 cuts): Dynamic Currency Conversion fee introduced (15 January 2026); Minimum Amount Due rebuilt as a two-branch formula (1 March 2026); Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate (1 July 2026). The biggest single change: before 1 July 2026 it was Lounge visits with no spend condition; from then on, ₹75,000 of spend in the preceding calendar quarter. Every event, dated and sourced, is in the Value Timeline on this page.

The bottom line

For a MakeMyTrip loyalist this co-brand compounds beautifully — 6% on hotels, MMTBLACK status and a genuinely rare 0.99% forex on a ₹999 card. The lounge access is no longer the free extra it was: from 1 Jul 2026 it needs ₹75,000 a quarter like the rest of ICICI's range. And you are marrying the platform: MMT's fare pricing can quietly claw back what the card pays, so it only wins if you book MMT anyway.

Apply →Estimate my rewardsIs this YOUR best card? →

How this page was built

Counted from this card’s own record: 4 earn rules, 1 of them capped, 2 paid only at named merchants, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.

Last updated 15 Oct 2026.

Sources & verification

Fees, reward rates, and benefits for the MakeMyTrip ICICI Bank Credit Card are taken from ICICI Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 15 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for ICICI Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

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Guides and reviews related to this card.

MakeMyTrip ICICI Bank Credit Card

For travellers who book everything through MakeMyTrip, a quietly excellent deal — 6% myCash on MMT hotels, 3% on flights, cabs and buses, MMTBLACK Gold status and a class-leading 0.99% forex markup, all for ₹999. The card's long-running exemption from ICICI's lounge spend-gate lapsed on 30 June 2026. The catch is the co-brand one: your value lives inside MMT, and the platform's pricing can quietly erode it. Superb if you book MMT anyway; a trap if you price-shop.

→

ICICI Bank Rubyx Credit Card

A dual-network card (Visa/Mastercard + Amex) that gives you two lounge programmes, two offer ecosystems, golf and concierge on one bill for ₹2,000 (waivable at ₹3 lakh). The perk bundle is the genuine draw; the rewards are middling and 2026 added spend gates and exclusions. Lean on the Visa side for everyday acceptance and buy it for the lounges, not the earn.

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Best Travel Credit Cards in India 2026: Lounge Access, Miles and Hotel Points

A travel card is decided by three things: lounge access, a transfer programme worth using, and what you pay to spend abroad. This is every card worth considering for 2026 — what each one costs and gives, in one table, and the single reason each is on the list. It includes the two cards you cannot apply for, because knowing what the benchmark is has value.

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Value timeline

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2024 · last change Nov 2026

▲ Revaluation▼ Devaluation◆ Neutral / reversed

2026

  1. ▲ FeeObserved 9 Oct 2026 · Effective 10 Nov 2026

    Dynamic Currency Conversion fee removed

    0.99% DCC fee→No DCC fee

    The 0.99% fee ICICI has charged on this card since 15 January 2026 when a purchase abroad, or with a merchant registered abroad, is billed in rupees no longer applies from 10 November 2026. The Signature and Platinum MakeMyTrip cards keep the standard fee.

    Verification: ICICI Bank ↗ · Confidence: High

  2. ▲ FeeObserved 9 Oct 2026 · Effective 10 Nov 2026

    Forex mark-up drops to zero

    0.99%→0% (no mark-up)

    From 10 November 2026 ICICI charges no foreign-currency mark-up on the MakeMyTrip ICICI card, down from 0.99%. The older MakeMyTrip ICICI Signature and Platinum cards are excluded. The same day international spends outside MakeMyTrip stop earning myCash, so a purchase abroad carries no ICICI mark-up and earns no myCash.

    Verification: ICICI Bank ↗ · Confidence: High

  3. ▼ RewardObserved 9 Oct 2026 · Effective 10 Nov 2026

    International spends outside MakeMyTrip stop earning myCash

    1% myCash→No myCash

    From 10 November 2026 the card's terms list international spends outside MakeMyTrip as earning no rewards, where they earned 1% myCash, and the 1% on other MakeMyTrip spends becomes 1% on other domestic ones. It lands with the end of the forex mark-up: the 0.99% plus GST that goes is slightly more than the 1% myCash that goes with it.

    Verification: ICICI Bank ↗ · Confidence: High

  4. ▼ RedemptionObserved 9 Oct 2026 · Effective 10 Nov 2026

    New myCash expires after 24 months

    Never expires→24 months from credit

    myCash earned from 10 November 2026 is valid for 24 months. myCash earned before that date keeps the rule it was earned under and never expires; until this revision the card's terms said all of it would never expire.

    Verification: ICICI Bank ↗ · Confidence: High

  5. ▼ LoungeEffective 1 Jul 2026

    Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate

    Lounge visits with no spend condition→₹75,000 of spend in the preceding calendar quarter

    ICICI put domestic lounge access behind ₹75,000 of quarterly spend across its range from 1 January 2025 but exempted the MakeMyTrip card. That exemption was written to run only until 30 June 2026, and it duly lapsed: from 1 July 2026 the card needs ₹75,000 of spend in a calendar quarter to unlock its two domestic lounge visits in the next one. The single international visit a year, via Priority Pass and for the primary cardholder only, is untouched. This removes the card's one benefit that did not depend on either MakeMyTrip or a spend threshold.

    Verification: ICICI Bank ↗ · Confidence: High

2024

Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: <a href="https://cardadvisor.in/cards/icici-mmt#value-timeline">MakeMyTrip ICICI Bank Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).

Terms & reward changes

Tracked updates to this card's fees, rewards and benefits — newest first.

  1. 💳 Fee changeEffective 10 Nov 2026

    From 10 November 2026 ICICI charges no forex mark-up and no dynamic currency conversion fee on this card (0.99% each until then). From the same date its international spends outside MakeMyTrip earn no myCash.

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