Credit Cards · Honest Review
MakeMyTrip ICICI Bank Credit Card
ICICI Bank · Visa
Your Verdict
- ✓6 myCash per 100 spent on hotel bookings via MakeMyTrip
- ✓3 myCash per 100 on flights, holiday packages, cabs and bus bookings
- ✓Complimentary 1-year MMTBLACK Gold membership
- ✓myCash rewards never expire
- ✓2,000 worth of MakeMyTrip vouchers on joining and renewal
What MakeMyTrip ICICI Bank Credit Card costs you
MakeMyTrip ICICI Bank Credit Card carries a ₹999 annual fee and a ₹999 one-time joining fee. The annual fee is waivable: Spend 3 lakh in a year to waive next year's annual fee.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹999 |
| Joining fee (one-time) | ₹999 |
| Fee waiver condition | Spend 3 lakh in a year to waive next year's annual fee |
| Spend required for waiver | ₹3,00,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
MakeMyTrip ICICI Bank Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| ✈️ Travel & Flights | 6% |
1,000 MakeMyTrip voucher on joining fee payment, 1,000 voucher on annual fee payment, and complimentary 1-year MMTBLACK Gold membership
Reward types: Cashback · Discounts
Beyond the reward rate
The non-reward benefits on MakeMyTrip ICICI Bank Credit Card are limited — the card's value proposition is primarily the reward rate structure.
Who can apply for MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI Bank Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5-7 working days |
Salaried applicants need minimum 20,000/month income; self-employed need 2.4 lakh annual income.
Who should (and shouldn't) get MakeMyTrip ICICI Bank Credit Card
- → Heavy spenders on travel & flights who want 6% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
MakeMyTrip ICICI Bank Credit Card — Questions answered
What is the annual fee for MakeMyTrip ICICI Bank Credit Card?
What is the minimum income required for MakeMyTrip ICICI Bank Credit Card?
What is the reward rate on MakeMyTrip ICICI Bank Credit Card for travel & flights?
Does MakeMyTrip ICICI Bank Credit Card provide airport lounge access?
How do I get the annual fee waived on MakeMyTrip ICICI Bank Credit Card?
How long does it take to get MakeMyTrip ICICI Bank Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.