ICICI Bank
MakeMyTrip ICICI Bank Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
3% points
Foreign Markup
0.99%
Welcome Benefits
₹1,000 MMT Voucher and MMTBLACK Gold Tier Membership
Product Highlights
- Travel-centric credit card
- Low Forex charges of 0.99%
Fee Waiver
Annual Fee Waiver on Spends of ₹3 Lakh in a Year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
MakeMyTrip
6% myCash on MakeMyTrip bookings
Reward Calculator
Earns ₹2,181/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3.4K
MMT myCash
₹3.4K
via standard
Effective rate
2.15%
Annual fee
₹1,179
Year 1 net
+₹2,181
Year 2+ net
+₹2,181
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
0.99%Charged on every international (non-INR) transaction
Excluded from rewards
rent, cash advance, emi, balance transfer, personal loan, late payment costs, joining fees, annual fees
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
6 myCash for every ₹200 spent on hotel bookings with MakeMyTrip, 3 myCash for every ₹200 spent on flight, bus, and cab bookings with MakeMyTrip, and 1 myCash for every ₹200 spent on other transactions.
- 1 myCash = ₹1
Benefits & Features
Domestic: Eight Complimentary Visits Each Year (Only the primary cardholder is eligible for free airport lounge visits.) International: One Free Visit Each Year (Only the primary cardholder is eligible for free airport lounge visits.) Primary credit cardholders receive complimentary lounge access; add-on cardholders are not eligible.
Pros & Cons
Pros
- Affordable annual fee of ₹999
- High rewards on travel spends
Cons
- Limited to MakeMyTrip ecosystem
- No myCash awarded for rent payments, cash, fuel, gambling, or commercial transactions
Additional Info
Cardholders can use myCash for hotel, flight, holiday bookings with MakeMyTrip.
myCash does not expire.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹3 Lakh in a Year