CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

MakeMyTrip ICICI Credit Card

39
Ranked #48 of 170 in credit
creditMastercard + RuPay (dual — both cards issued)Entry-mid travel co-brandLegacy · discontinued

Current unified ICICI x MakeMyTrip travel co-brand (replacing the discontinued Signature and Platinum variants), offering 6% myCash on MMT hotels, unlimited never-expiring rewards, and an unusually low 0.99% forex markup at a Rs 999 fee.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value23/100 · weight 71%
≈ 1.12% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks52/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹999 + 18% GST
= ₹1,179 total
Annual fee
₹999 + 18% GST
= ₹1,179 / year total
Waiver: Waived on Rs 3 lakh (Rs 2.99L per one source) annual spend
Forex markup
0.99%

Lounge access

Domestic (per year)
8
International (per year)
1

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingcashback3%—3% myCash on flights, holiday packages, cabs, bus bookings via MMT
all_spendscashback1%—1% myCash on all other spends, both online and offline, in and outside MMT

Welcome offer

Rs 1,000 MakeMyTrip voucher (1-year validity) on joining fee payment, within 45 days; 1-year complimentary MMTBLACK Gold membership

Milestone benefits

Pros

  • Very low 0.99% forex markup for a Rs 999-fee card (rare), unlimited/never-expiring myCash (major improvement over discontinued variants), dual network issuance (RuPay enables UPI linkage with extra RuPay coins), 6% myCash on MMT hotels / 3% on flights-cabs-buses-holidays / 1% on everything else including outside MMT, 3-month no-cost EMI on MMT bookings, achievable Rs 3 lakh fee waiver

Cons

  • FLAG — lounge access terms genuinely conflict across official-looking sources (spend-gated vs unconditional) — verify directly before advising
  • myCash locked to MakeMyTrip bookings only, no rewards on rent/EMI/cash advances/balance transfers/personal loans, insurance spends capped at 1,000 myCash/year

What's inside

More benefits

  • MMTBLACK Gold membership

    Complimentary 1-year MMTBLACK Gold membership: hotel discounts, zero cancellation fees, priority customer care

    yearly. Auto-enrolled within 30 business days of activation

  • BookMyShow/INOX movie discount

    ₹150

    Buy 1 get 25% off (max Rs 150) on second ticket, twice/month

    Cap ₹3,600 / monthly.

  • Culinary Treats dining discount

    Up to 15% discount at 2,500+ partner restaurants

Insurance cover

text
₹NaN

Eligibility

text
Standard ICICI entry-level criteria, income Rs 3 lakh/year+ (implied)

Small print

Fuel surcharge:Not detailed for this specific variant in sources reviewed