MakeMyTrip ICICI Bank Credit Card Review 2026: Fees, Rewards & Bene...

Get 6% myCash on hotels and 0.99% forex markup with the MakeMyTrip ICICI Bank Credit Card. Read our full review on fees, lounge access, and UPI benefits.

Vyaya Team · Mar 2026

5 min read

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Value Score

8.5 / 10

Annual Fee

₹999

Best For

MakeMyTrip Loyalists, International Travelers

Network

Mastercard

Expert Verdict

REWARD SUMMARY

1% Base Rewards
Unlimited rewards for the traveler in you.

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The Bottom Line

The MakeMyTrip ICICI Bank Credit Card is a top-tier choice for frequent travelers who prefer booking through MakeMyTrip. Its standout features are the 0.99% forex markup and the dual-network benefit, making it highly versatile for both international and UPI spends. With a ₹999 annual fee that is waived on ₹3,00,000 yearly spend, it offers 0% rewards on mmt hotels and a welcome benefit worth ₹1,000. For anyone researching makemytrip icici bank credit card, the verdict is simple: recommended.

It earns a base reward rate of 1% and stacks best when your spending lines up with MakeMyTrip Loyalists, International Travelers. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.

What we like

+High 6% reward rate on hotel bookings via MakeMyTrip

+Industry-leading low forex markup of 0.99%

+Dual card offering (Mastercard + RuPay) for UPI compatibility

+Unlimited myCash rewards with no expiry date

+Complimentary MMTBLACK Gold membership for exclusive travel perks

What we don't

–Rewards (myCash) can only be redeemed on the MakeMyTrip platform

–Low reward rate of 1% on non-travel retail spends

–International lounge access is limited to once per year

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

MakeMyTrip Loyalists

Maximum value back of up to 6% on hotels and 3% on flights booked through the platform.

Best value above ₹25,000/month

International Travelers

The 0.99% forex markup is significantly lower than the standard 3.5% charged by most cards.

Best value above ₹50,000/month

Probably not for

Skip

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General Spenders

The base reward rate is low, and rewards are locked into the MMT ecosystem.

Is It Worth It For You?

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Reward Rates

MakeMyTrip ICICI Bank Credit Card offers 1% basic reward rate.

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Where

Amount

₹

MMT Hotels

MMT Flights/Cabs

Welcome Offer

Welcome Benefit

Value: ₹1000

Milestone Benefits

Spend ₹250,000Value: ₹1100

Bonus Points

Spend ₹500,000Value: ₹4000

Bonus Points

Fees & Charges

Joining fee₹999

Annual fee₹999

Fee waiverSpend > ₹3,00,000

Eligibility

Min Income: ₹2.4 Lakhs
Min Credit Score: 700
Salaried individuals with monthly income of ₹20,000+ or self-employed with annual income of ₹2.4 Lakh+.

Exclusions & Terms

Fuel

Rent

Cash Advance

Wallet Load

EMI Transactions

Frequently Asked Questions

3 data-backed answers from our card database

What is the value of 1 myCash point?+

1 myCash point is equal to ₹1 and can be used to pay for bookings on the MakeMyTrip platform.

Does this card offer lounge access?+

Yes, it offers 2 complimentary domestic lounge visits per quarter and 1 international lounge visit per year.

How can I waive the annual fee?+

The annual fee of ₹999 is waived if you spend ₹3,00,000 or more in the preceding anniversary year.

Ready to apply?

₹999 fee. Excellent rewards. Apply now securely.

Apply on ICICI Bank →

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