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MakeMyTrip ICICI Bank Credit Card
ICICI Bank

MakeMyTrip ICICI Bank 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

₹999 + GST

Annual fee

₹999 + GST

What it gives back

6 Points per ₹100 spent on hotel booking spend, 3 on flight, bus & cab spend and 1 on all other retail spend, credited to your MakeMyTrip account as myCash.

Read from 6 ICICI Bank documents, last checked 18 Oct 2026.

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How it compares

Compared with the cards we have read

₹999 annual fee: of the 273 other open cards whose annual fee we have read, 164 state a lower one, 8 state the same and 101 state a higher one.

0.99% forex markup: of the 291 other open cards whose forex markup we have read, 29 state a lower one, 1 states the same and 261 state a higher one.

Changed on 2026-10-13: dcc markup is now No Dynamic Currency Conversion fee with effect from Nov 10, 2026 — see what changed

Fees

  • Annual feeJoining fee

    ₹999 + GST

  • Fee waiver rule

    Fee waived if you spend ₹3 lakh.

  • Add-on card fee

    ₹199.

Welcome offer

  • Welcome benefit

    ₹1,000 MakeMyTrip voucher with a validity of 1 year upon paying the joining fee; One year Complimentary MMTBLACK Gold membership.

Rewards

  • Reward rate

    6 Points per ₹100 spent on hotel booking spend, 3 on flight, bus & cab spend and 1 on all other retail spend, credited to your MakeMyTrip account as myCash.

  • Travel earning

    Hotel bookings on MakeMyTrip 6% myCash; Flight bookings on MakeMyTrip 3% myCash.

  • Reward exclusions

    Rent payments, cash advances, late payment costs, joining / annual fees, EMI transactions, Balance Transfers and Personal Loan transactions on the Card are not eligible for myCash Rewards.

  • Reward caps

    Insurance Category: 1,000 Reward Points/anniversary year

  • Flight redemption

    Redeem myCash on the checkout page of the MakeMyTrip website, mobile site or mobile application while booking flights.

  • Hotel redemption

    Redeem myCash on the checkout page of the MakeMyTrip website, mobile site or mobile application while booking hotels.

  • Redeeming points for travel

    Redeem myCash on the checkout page of the MakeMyTrip website, mobile site or mobile application while booking flights, hotels, holiday packages, trains, buses, cabs and Visas.

  • Point expiry

    The myCash earned will never expire post credit in the MakeMyTrip wallet.

Card benefits

  • Domestic lounge access

    Get 2 Domestic Airport Lounge access quarterly for primary cardholders; you must spend ₹75,000 or more in a calendar quarter.

  • International lounge access

    Get 1 complimentary International airport lounge access annually; applicable only for the primary cardholder

  • Priority Pass

    Swipe your Credit Card to avail complimentary domestic lounge accesses and a priority pass for international lounge access.

  • Hotel or travel programme

    3 months’ no-cost EMI on MakeMyTrip bookings.

  • Dining programme

    Get dining discounts with Culinary Treats Programme.

  • Concierge

    24x7 concierge service: round-the-clock assistance (RuPay Variant)

  • Renewal benefit

    Get a MakeMyTrip hotel voucher worth ₹1,000 (valid for 3 months) on payment of the annual fee.

  • Membership tiers and what unlocks them

    Two tiers: MMTBLACK Gold and MMTBLACK Platinum, based on the customer's annual spends and number of bookings.

  • Movie or entertainment ticket benefit

    25% off up to ₹150 on movie tickets at INOX, twice a month, and on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter

Also included

  • 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

    0.99% on foreign currency transactions.

  • Dynamic currency conversion markup

    No Dynamic Currency Conversion fee with effect from Nov 10, 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 ₹1300.

  • 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

  • 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; Self-employed with an annual income of at least ₹2,40,000.

  • Minimum age

    An Indian citizen over 21 years of age.

In the terms, not the brochure (5)

  • Spend that unlocks lounge visits in the next period

    Spend ₹75,000 or more in a calendar quarter to avail the lounge access benefit in the following calendar quarter; the benefit is exclusively applicable to the primary Cardholder

  • How the earn rate is rounded

    Reward Points earned on all transactions will be rounded down to the nearest integer.

  • What happens to unredeemed points if the card is closed

    The myCash earned on the Credit Card will be available till the card is active

  • 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.

  • Spends that do not count toward the fee waiver

    MakeMyTrip ICICI Bank Credit Card transactions for which the Equated Monthly Instalment (EMI) facility is availed will not be considered in calculating the total spends for waiver of the Annual Fee.

How we know - 6 documents from ICICI Bank, checked 18 Oct 2026

6 documents from ICICI Bank, checked 18 Oct 2026.

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₹999 a year

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