← Part of ICICI Credit Cards in India
The MakeMyTrip ICICI Bank Credit Card, a co-branded travel card, offers unlimited myCash Rewards that never expire, along with exclusive MakeMyTrip vouchers. As of June 30, 2025, ICICI Bank’s credit card outstanding stood at ₹53,472 crore, representing 7.5% of its retail loan portfolio.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Travel Credit Card |
| Issuing Bank | ICICI Bank |
| Co-branding Partner | MakeMyTrip |
| Target Audience | Frequent travelers, business travelers, individuals preferring MakeMyTrip for bookings |
| Network | MasterCard and RuPay (dual network proposition) |
| Key Benefit | Unlimited myCash Rewards (never expire), exclusive MakeMyTrip vouchers, complimentary lounge access |
| myCash Earnings Credit Time | 2 working days from completion of last billing cycle |
| MMTBLACK GOLD Auto Enrollment | 30 business days after card activation |
| Forex Markup Fee | 0.99% (MakeMyTrip ICICI Bank Travel Credit Card); 3.50% (Signature and Platinum variants) (effective Jan 15, 2026) |
| MMTBLACK Membership | Complimentary MMTBLACK Gold (MakeMyTrip ICICI Bank Credit Card); MMTBLACK Platinum (Signature variant) |
| Joining Fee Voucher | ₹1,000 MakeMyTrip voucher (valid for 1 year) |
| Renewal Voucher | ₹1,000 MakeMyTrip hotel voucher (valid for 3 months) |
| Dining Benefit | Exclusive offers at 2,500+ partner restaurants via ICICI Bank Culinary Treats Programme across India |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400 – ₹4,000 at HPCL pumps (Signature variant) |
| Movie/Event Ticket Offer | Complimentary offers on BookMyShow (requires ₹25,000+ spend in preceding quarter, effective Apr 1, 2026) |
This card is designed for travelers who frequently use MakeMyTrip, offering a blend of travel-centric rewards and benefits, including a low forex markup fee on its Travel variant.
Card Variants & Key Features
The MakeMyTrip ICICI Bank Credit Card offers two main variants: the Platinum and the Signature, each tailored with distinct travel benefits. As of 2026, these cards provide unlimited myCash rewards, complimentary lounge access, and exclusive MakeMyTrip vouchers.
| Card Variant | Key Feature | Joining Fee (₹) | Annual Fee (₹) |
|---|---|---|---|
| MakeMyTrip ICICI Bank Platinum Credit Card | myCash benefit worth ₹500, holiday voucher worth ₹3,000, complimentary domestic airport and railway lounge access, earn myCash on certain transactions. | 500 | 500 |
| MakeMyTrip ICICI Bank Signature Credit Card | MMTBLACK Platinum membership, savings up to ₹3,600 annually on movie tickets (BookMyShow), earn up to 40,000 myCash points during travel, 1 complimentary railway lounge access per quarter, 1% waiver on fuel transactions (₹400-₹4,000 at HPCL pumps), MakeMyTrip Holiday Voucher up to ₹2,500, 1 international lounge access and 1 spa session per year via complimentary Dreamfolks membership. | 2,500 | 2,500 |
| MakeMyTrip ICICI Bank Credit Card | Unlimited myCash Rewards (never expire), up to 6% myCash on MakeMyTrip bookings, 1% myCash on other retail purchases, ₹1,000 MakeMyTrip voucher on joining fee payment, complimentary MMTBLACK Gold membership, complimentary lounge access for primary cardholder, low forex markup fee of 0.99%. | 1,000 | 999 (waived on spending ₹3 lakh in a card anniversary year) |
| MakeMyTrip ICICI Bank Travel Credit Card | Earn up to 6% myCash, complimentary lounge access, zero forex cost, available on MasterCard & RuPay networks. | 1,000 | 999 |
Both variants offer a strong rewards program with myCash that never expires, making them suitable for frequent travelers booking through MakeMyTrip. The forex markup fee for the MakeMyTrip ICICI Bank Credit Card is 0.99%, effective early 2026.
MyCash Rewards & Redemption
The MakeMyTrip ICICI Bank Credit Card offers unlimited myCash rewards that never expire, providing value on every transaction. These myCash earnings are typically credited within two working days after the completion of your billing cycle. Cardholders also receive auto-enrollment into MMTBLACK GOLD within 30 business days of card activation.
| Spend Category | myCash Earn Rate | Value Back (%) | Redemption |
|---|---|---|---|
| Hotel bookings on MakeMyTrip | 6% extra myCash | 6% | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| Holiday package, flight, cab & bus bookings on MakeMyTrip | 3% extra myCash | 3% | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| All other online & offline retail spends | Flat 1% myCash | 1% | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| UPI transactions (online & offline) | 1% myCash | 1% | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| Insurance payments | 1% myCash | 1% | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| International transactions | 1% myCash | 1% (offsets 0.99% forex markup) | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| Hotel bookings on MakeMyTrip (Signature Card) | 2 myCash per ₹100 spent | 2% | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
| Milestone Benefit (Signature Card) | Up to 5,100 myCash | Varies | Redeemable on MakeMyTrip for flights, hotels, or holidays (1 myCash = ₹1) |
The myCash earned through the MakeMyTrip ICICI Bank Credit Cards does not expire once credited to the primary cardholder’s MakeMyTrip wallet. This allows for flexible redemption on future travel bookings.
Travel Benefits & Privileges
The MakeMyTrip ICICI Bank Credit Card offers a range of travel benefits, including complimentary lounge access and exclusive discounts on bookings. Cardholders receive a ₹1,000 MakeMyTrip voucher upon paying the joining fee, valid for one year.
- Complimentary Lounge Access: Primary cardholders get complimentary access to select airport lounges in India. The MakeMyTrip ICICI Bank Platinum Credit Card offers one complimentary airport lounge visit quarterly.
- Railway Lounge Access: The MakeMyTrip ICICI Bank Signature Credit Card provides one complimentary railway lounge access per quarter at partner lounges across India. The Platinum variant also includes one complimentary railway lounge visit quarterly.
- Movie Ticket Discounts: Cardholders can receive a 25% discount on purchasing a minimum of two movie tickets via BookMyShow and Inox, available twice a month for each platform. Starting April 1, 2026, eligibility requires a spend of ₹25,000 or more in the preceding quarter.
- Dining Savings: Enjoy up to 15% savings on dining bills at over 2,500 partner restaurants across India through the ICICI Bank Culinary Treats Programme. This benefit applies to both Platinum and Signature variants.
- MakeMyTrip Vouchers: Upon card renewal, cardholders receive a ₹1,000 MakeMyTrip hotel voucher, valid for three months. New cardholders also get a ₹1,000 MakeMyTrip voucher with a one-year validity.
- MMTBLACK GOLD Membership: New MakeMyTrip ICICI Credit Card holders receive a complimentary one-year MMTBLACK GOLD Membership, auto-enrolled within 30 business days of card activation. This membership offers guaranteed discounts and priority customer care.
- No-Cost EMI: The card offers a no-cost EMI option for three months on MakeMyTrip bookings, providing flexibility for larger travel expenses. This feature helps manage travel costs effectively.
- Low Forex Markup Fee: The MakeMyTrip ICICI Credit Card features a low forex markup fee of 0.99%, significantly lower than the 3.50% charged on most other ICICI Bank credit cards from January 15, 2026.
These benefits the travel experience, offering savings and convenience for frequent travelers booking through MakeMyTrip.
Fees, Charges & Eligibility
The MakeMyTrip ICICI Bank Credit Card comes with a joining fee of ₹1,000 and an annual fee of ₹999, which can be waived on spending ₹3 lakh in a card anniversary year. As of January 15, 2026, Dynamic Currency Conversion (DCC) fees range from 0.99% for the MakeMyTrip ICICI Bank Travel Credit Card to 3.50% for Signature and Platinum variants.
| Charge Type | Amount (Rs) | Details |
|---|---|---|
| Joining Fee (MakeMyTrip ICICI Bank Credit Card) | ₹1,000 | Receive a MakeMyTrip voucher worth ₹1,000, valid for one year, upon paying the joining fee. |
| Annual Fee (MakeMyTrip ICICI Bank Credit Card) | ₹999 | Waived on spending ₹3 lakh in a card anniversary year. If not waived, receive a ₹1,000 MakeMyTrip voucher upon fee realization. |
| Renewal Fee (MakeMyTrip ICICI Bank Credit Card) | ₹1,000 | Receive a MakeMyTrip hotel voucher worth ₹1,000, valid for three months, upon renewal. |
| Joining Fee (ICICI Bank MakeMyTrip Credit Card) | ₹2,500 + GST | Annual joining fee for the ICICI Bank MakeMyTrip Credit Card. |
| Dynamic Currency Conversion (DCC) Fee (MakeMyTrip ICICI Bank Travel Credit Card) | 0.99% | Applicable on international transactions in Indian currency or with foreign-registered merchants, effective January 15, 2026. |
| Dynamic Currency Conversion (DCC) Fee (MakeMyTrip ICICI Bank Signature/Platinum Credit Card) | 3.50% | Applicable on international transactions in Indian currency or with foreign-registered merchants, effective January 15, 2026. |
| Forex Markup Fee | 0.99% | Low forex markup fee, a feature typically offered by premium credit cards. |
| Eligibility Age | 21 to 65 years | Applicants must be within this age bracket. |
| Eligibility Nationality | Indian Resident | Only Indian citizens residing in India are eligible to apply. |
| Application Process | Video KYC | Complete Video KYC with an ICICI Bank employee, available 24/7, using PAN and Aadhaar details. |
| Document Submission | DigiLocker | Securely submit identity, address, and income proofs via DigiLocker for a faster application. |
The card’s eligibility criteria require applicants to be Indian residents aged 21 to 65 years, with a streamlined application process including 24/7 Video KYC and DigiLocker document submission.
Application Process & Documents
Applying for the MakeMyTrip ICICI Bank Credit Card involves a streamlined digital process. Applicants must be Indian residents aged 21 to 65 years, providing PAN and Aadhaar details. The entire application can be completed via Video KYC, available 24/7.
- Online Application: Visit the official ICICI Bank website or MakeMyTrip portal to begin the application for the MakeMyTrip ICICI Bank Credit Card.
- Eligibility Check: Confirm you meet the age criteria (21-65 years) and Indian residency requirements before proceeding.
- Document Submission: Provide your PAN and Aadhaar details. DigiLocker can be used for secure digital submission of identity, address, and income proofs.
- Video KYC: Complete a Video KYC session with an ICICI Bank employee. This involves answering a few questions and displaying your original PAN card.
- Application Review: ICICI Bank will review your application and submitted documents.
- Card Issuance: Upon approval, your MakeMyTrip ICICI Bank Credit Card will be dispatched to your registered address.
The process is designed for convenience, allowing quick application and verification from home.
MakeMyTrip ICICI vs Other Travel Cards
The MakeMyTrip ICICI Bank Credit Card offers a low 0.99% forex markup fee, a feature typically found in premium travel cards. This card provides up to 6% myCash on MakeMyTrip hotel bookings, alongside complimentary lounge access benefits.
| Feature | MakeMyTrip ICICI Bank Credit Card | ICICI Bank NRI Sapphiro Credit Card | Club Visa First Credit Card |
|---|---|---|---|
| Joining Fee | ₹999 (Platinum), ₹2,500 (Signature) | ₹6,500 | Not specified |
| Annual Fee | ₹999 (Platinum), ₹2,500 (Signature) | Not specified | Not specified |
| Forex Markup Fee | 0.99% | Not specified | 2.99% |
| Reward Rate on MMT Bookings | Up to 6% myCash on hotels, 3% on flights/packages | Earn reward points on every expense | 15% discount on flight and hotel bookings via Goibibo and MakeMyTrip |
| Domestic Airport Lounge Access | 1-2 complimentary visits per quarter (Platinum/Signature) | 4 free visits every quarter (Mastercard) | 2 complimentary visits per month |
| Movie Ticket Discount | 25% off on BookMyShow/Inox (twice monthly, min 2 tickets) | Up to ₹500 off on second ticket (BookMyShow, twice monthly) | Not specified |
| Dining Benefits | Up to 15% savings via Culinary Treats Programme | Minimum 15% savings via Culinary Treats Programme | Dining discount at partner restaurant with EazyDiner |
| Welcome Benefit | ₹1,000 MakeMyTrip voucher + MMTBLACK Gold membership | Not specified | Not specified |
| Fuel Surcharge Waiver | 1% waiver at HPCL pumps (max ₹4,000/transaction) | Not specified | Not specified |
The MakeMyTrip ICICI Bank Credit Card specifically targets frequent MakeMyTrip users with its tiered myCash rewards and co-branded vouchers, while other ICICI cards offer broader benefits like higher lounge access or general spending rewards.
RBI Guidelines & Card Rules 2026
The Reserve Bank of India (RBI) sets guidelines for credit card operations in India, ensuring consumer protection and fair practices. ICICI Bank revised several credit card rules effective January 15, 2026, impacting fees and reward structures for various cards, including the MakeMyTrip co-branded cards.
- Dynamic Currency Conversion (DCC) Fees: From January 15, 2026, the MakeMyTrip ICICI Bank Signature and Platinum Credit Cards will incur a 3.50% DCC fee on international transactions. Other ICICI Bank credit cards, except specific premium variants, will also face this 3.50% charge.
- Movie Ticket Eligibility: Starting April 1, 2026, cardholders must spend ₹25,000 or more on their MakeMyTrip ICICI Bank Credit Card in the preceding quarter to qualify for complimentary movie ticket offers on BookMyShow. This applies to both the Platinum and Signature variants.
- Video KYC Process: The application process for the MakeMyTrip ICICI Bank Credit Card includes a 24/7 video KYC facility with an ICICI Bank employee. Applicants need to provide PAN and Aadhaar details and can use DigiLocker for document submission.
- Card Network Options: The MakeMyTrip ICICI Bank Credit Card is available on both MasterCard and RuPay networks, offering flexibility to cardholders. This dual network availability caters to diverse user preferences and acceptance points.
- Regulatory Compliance: All ICICI Bank credit card operations, including the MakeMyTrip co-branded cards, adhere to the Master Circular on Credit Card and Debit Card issued by the RBI. This ensures compliance with regulations regarding card issuance, usage, and customer service.
These updated rules for 2026 require cardholders to review their spending patterns to maximize benefits and avoid unexpected charges.
Key Takeaways
- MakeMyTrip ICICI Bank Credit Cards will incur a 3.50% Dynamic Currency Conversion (DCC) fee from January 15, 2026, for international transactions.
- Eligibility for complimentary movie tickets on BookMyShow requires a minimum spend of ₹25,000 per quarter starting April 1, 2026.
- The application process for the MakeMyTrip ICICI Bank Credit Card features 24/7 video KYC and supports document submission via DigiLocker.
For detailed terms and conditions, visit the official ICICI Bank website or contact customer care.
Frequently Asked Questions (FAQs)
What are the main benefits of the MakeMyTrip ICICI Bank Credit Card in 2026?
The MakeMyTrip ICICI Bank Credit Card offers up to 6% myCash on MakeMyTrip bookings, complimentary lounge access, and a low forex markup fee of 0.99%. Cardholders also receive a ₹1,000 MakeMyTrip voucher upon paying the joining fee and a complimentary MMTBLACK Gold membership for one year.
What is the joining fee for the MakeMyTrip ICICI Bank Credit Card in 2026?
The joining fee for the MakeMyTrip ICICI Bank Credit Card is ₹1,000, which is reimbursed with a MakeMyTrip voucher of the same value. Upon renewal, cardholders receive a ₹1,000 MakeMyTrip hotel voucher, valid for three months.
How do I earn myCash rewards with the MakeMyTrip ICICI Bank Credit Card?
You earn myCash rewards on all MakeMyTrip bookings and other retail spends. As of 2026, you can earn up to 6% myCash on hotel bookings, 3% on flights, cabs, and bus bookings, and 1% on other online and offline retail transactions.
Does the MakeMyTrip ICICI Bank Credit Card offer lounge access?
Yes, the MakeMyTrip ICICI Bank Credit Card provides complimentary lounge access for the primary cardholder. This benefit is a key feature for frequent travelers, allowing access to select airport lounges across India.
What is the forex markup fee for the MakeMyTrip ICICI Bank Credit Card?
The MakeMyTrip ICICI Bank Credit Card features a low forex markup fee of 0.99% on international transactions. This is significantly lower than the standard 2.5% to 3.5% charged by many other credit cards.
How can I apply for the MakeMyTrip ICICI Bank Credit Card in 2026?
You can apply for the MakeMyTrip ICICI Bank Credit Card online through the ICICI Bank website. The application process typically involves providing PAN and Aadhaar details, followed by a video KYC verification with an ICICI Bank representative.
Do the myCash rewards earned with the MakeMyTrip ICICI Bank Credit Card expire?
No, the myCash rewards earned with the MakeMyTrip ICICI Bank Credit Card do not expire once credited to the primary cardholder’s MakeMyTrip wallet. This allows users to accumulate rewards over time for future travel bookings.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.