MakeMyTrip ICICI Bank Platinum Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns points
First-year fee
₹500 + GST
₹500 plus GST, one timeAnnual fee
₹0
NilWhat it gives back
1 Point on every ₹200 spend on domestic spends; 2 on MakeMyTrip flight bookings, 3 on MakeMyTrip hotel bookings.
How it compares
Compared with the cards we have read
Fees
Joining fee
₹500 + GST₹500 plus GST, one time
Annual fee
₹0Nil
Add-on card fee
₹199.
Welcome offer
Welcome benefit
Get a MakeMyTrip holiday voucher and ₹500 myCash.
Rewards
Reward rate
1 Point on every ₹200 spend on domestic spends; 2 on MakeMyTrip flight bookings, 3 on MakeMyTrip hotel bookings.
Card benefits
Domestic lounge access
Get 1 Domestic Airport Lounge access quarterly for primary cardholders; you must spend ₹75,000 or more in a calendar quarter.
Hotel or travel programme
Get 1 complimentary access to select railway lounges in India every quarter.
Milestone benefits
Get 1,000 myCash on spends of ₹2.5 lakh and 1,000 myCash on spends of ₹50,000 on the MakeMyTrip platform.
Movie or entertainment ticket benefit
25% off on movie ticket offer worth up to ₹100 on the purchase of a minimum of two tickets
Also included
Fuel surcharge waiver
Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of ₹400 to ₹4,000 at HPCL fuel outlet when the Card is swiped on ICICI Merchant Services swipe machines in India.
Surcharge on railway tickets
1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)
Cash advance fee
2.5% on advanced amount, subject to minimum of ₹500
Cash withdrawal limit
The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.
Interest on unpaid balance
3.75% per month i.e., 45% per annum.
Interest-free period
18 to 48 days interest-free when you pay in full.
Late payment fee
Ranging from ₹100 to ₹1,300.
Over-limit fee
2.50% of the over-limit amount, subject to a minimum of ₹550
Payment return or dishonour fee
Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)
Card replacement fee
₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card
Cash payment / cash deposit fee
A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment
Charge for lounge visits beyond the free limit
Each access beyond the permitted number of complimentary access is charged as per rates laid out by each lounge service provider.
Education / school fee charge
A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)
EMI conversion fee
Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions
Fee on online skill-based gaming spends
A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)
Wallet load charge
A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)
Fuel transaction fee
A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)
Rent transaction fee
1% fee on transaction amount (Merchant Category Code: 6513)
Utility transaction fee
A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)
GST note
GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges
Grace days after the due date
Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)
Minimum amount due
5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.
Eligibility
Income requirement
A salaried individual with a monthly income of ₹20,000.
Income, self-employed
Self-employed with an annual income of at least ₹20,000.
Minimum age
An Indian citizen over 21 years of age.
In the terms, not the brochure (3)
Spend that unlocks lounge visits in the next period
Spend ₹75,000 or more in a calendar quarter to enjoy domestic airport lounge access.
What happens to unredeemed points if the card is closed
If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.
Whether carrying a balance ends the interest-free period
No interest free period if the Total Amount Due is not paid by the payment due date + 3 days grace.
How we know - 7 documents from ICICI Bank, checked 18 Oct 2026
- Card pageProof
- MITCProof
- Lounge access terms, 1 May 2026Proof
- Makemytrip ICICI Credit Card Terms and ConditionsProof
- Card terms and conditionsProof
- Railway Lounge ProgrammeProof
- Fees and charges pageProof
On these lists
₹0 for life
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