MakeMyTrip ICICI Bank credit card review: fees, rewards and eligibility
The MakeMyTrip ICICI Bank has a recorded annual fee of ₹999 plus GST and a base earn of 1 myCash per ₹100 on eligible other retail spend. CardMasters checked its issuer terms on 2026-08-01. Affiliate commission never changes ranking; confirm final terms and approval with ICICI Bank.
MakeMyTrip ICICI Bank: short answer
The MakeMyTrip ICICI Bank is in the mid tier of ICICI Bank credit cards, with a joining fee of ₹999, an annual fee of ₹999 plus GST (waived on ₹3,00,000 of eligible annual spend), a base earn of 1 myCash per ₹100 on eligible other retail spend and a 0.99% forex markup. Rewards are not earned on rent, cash advance, late payment fee, emi, fees. It suits travel, makemytrip, low forex spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
Reward structure
1 myCash per ₹100 on eligible other retail spend
- 6 points per ₹100 on MakeMyTrip hotels — 6 myCash per ₹100 on MakeMyTrip hotel bookings; merchant-routed benefit is not inferred from generic travel spend.
- 3 points per ₹100 on MakeMyTrip flights, buses and cabs — 3 myCash per ₹100 on MakeMyTrip flight, bus and cab bookings; merchant-routed benefit is not inferred from generic travel spend.
Eligibility and important limits
minimum age 21, published monthly income floor ₹20,000 ICICI publishes Indian citizenship, age over 21, ₹20,000 monthly salary or ₹2.4 lakh annual self-employed income. No numeric bureau-score cutoff is published. Approval remains solely at the issuer’s discretion.
Does not earn: rent, cash advance, late payment fee, emi, fees, balance transfer, personal loan.
Important limit: myCash is credited to the primary Cardholder's MakeMyTrip wallet, does not expire, and cannot be encashed or transferred to a bank account.
Frequently asked questions
What is the annual fee for the MakeMyTrip ICICI Bank?
The published annual fee in our current record is ₹999 plus applicable GST. It can be waived after ₹3,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the MakeMyTrip ICICI Bank?
1 myCash per ₹100 on eligible other retail spend. Accelerated routes include 6 points per ₹100 on MakeMyTrip hotels; 3 points per ₹100 on MakeMyTrip flights, buses and cabs. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the MakeMyTrip ICICI Bank?
The current issuer-sourced exclusions recorded by CardMasters include rent, cash advance, late payment fee, emi, fees, balance transfer, personal loan. Merchant category coding and issuer terms determine final eligibility.
Who should consider the MakeMyTrip ICICI Bank?
It is most relevant for people focused on travel, makemytrip, low forex. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the MakeMyTrip ICICI Bank worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹999 plus GST each year. The fee is waived at ₹3,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the MakeMyTrip ICICI Bank?
The published minimum age is 21. The published monthly income floor is ₹20,000. ICICI publishes Indian citizenship, age over 21, ₹20,000 monthly salary or ₹2.4 lakh annual self-employed income. No numeric bureau-score cutoff is published. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the MakeMyTrip ICICI Bank?
The recorded foreign-currency markup is 0.99% before GST. On ₹1,00,000 of international spend that is about ₹990 in markup, so compare it against any rewards earned on overseas transactions.
Does the MakeMyTrip ICICI Bank offer airport lounge access?
Domestic lounge access: 2/quarter after ₹75,000 spend in previous calendar quarter; primary Cardholder only. International lounge access: 1/yr; primary Cardholder only. Spend conditions and guest charges are set by the issuer and can change.