ICICI

MakeMyTrip Credit Card

Good fit for frequent MakeMyTrip users — ₹999 annual fee.

Top reasons to choose this card

8 complimentary lounge visits
Low 0.99% forex markup
₹3L fee waiver

What you'd do with it

Works when a ₹999 annual fee is acceptable for the accelerated earn rates.
Good fit when MakeMyTrip is a regular spend category for you.
Helpful for international spending because forex markup is kept to 1%.
Useful for travelers who need around 8 domestic lounge visits a year.

Good for travel 1% forex · 2 per quarter lounge
Low forex 1% forex markup
Strong lounge access 2 per quarter domestic lounge

Suggested comparison Similar tier comparison Compare with HDFC Bank Tata Neu Infinity RuPay →

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Annual fee ₹999 per year

Forex markup 0.99% low

Lounge access 2 per quarter

Rewards / ₹100 6 myCash up to · ₹100 on MakeMyTrip hotel bookings

The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.

Welcome benefit timing may vary
Fee waiver available
Annual fee known
Forex markup known
2 per quarter domestic lounge

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹999 lower than 57 of 112 cards
Joining fee: ₹999
Forex markup: 0.99% lower than 98 of 111 cards
Lounge access: 2 per quarter domestic lounge · 1 per year international
Reward rate: Up to 6 myCash / ₹100 on MakeMyTrip hotel bookings

Good fit for

Good for travel
Low forex
Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Annual fee is relatively low at ₹999.
Fee waiver applies at ₹3,00,000 annual spend.
Forex markup is low at 0.99%.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
2 per quarter domestic lounge
Verify current lounge list
Airport lounge list may change
₹1,000 welcome benefit listed
Welcome benefit timing may vary

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 1 points per ₹100. Some reward rules exclude rent spends. Still verify remaining caps and redemption rules.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with HDFC Bank Tata Neu Infinity RuPay Similar tier comparison Best ICICI credit cards See how this card compares within ICICI. Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 0.99%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies at ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹1,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹3,00,000yearAnnual fee waiverhighstrong

Reward reality

Point value · limits · exclusions

Verified value₹1 per pointTravel

Best verified laneMakeMyTrip hotel bookings6 myCash / ₹100

Exclusions/no-earnSome reward rules exclude rent spends.

Reward rules

Structured earn rates · eligibility · caps when they bind

MakeMyTrip hotel bookings6 myCash / ₹100Hotel bookings on MakeMyTrip platform.—

MakeMyTrip flights, holidays, cabs & buses3 myCash / ₹100Flight, holiday, cab, and bus bookings on MakeMyTrip platform.—

General spend1 myCash / ₹100Domestic and international retail spends outside MakeMyTrip; excludes rent pa…—

MakeMyTrip other platform spends1 myCash / ₹100Other qualifying spends on MakeMyTrip platform not covered by hotel/flight/ho…—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (1 myCash / ₹100). ~500 myCash/month. Partner/category bonuses not included.
Fee waiver achievable at this spend
Forex cost ~₹500 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter

4 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) (opens in new tab)
Mmt ICICI Official T&C
ICICI official MakeMyTrip page
Operator config (MakeMyTrip)
International (cardholder): 1 per year — via Priority Pass Requires Priority Pass card

4 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) (opens in new tab)
Mmt ICICI Official T&C
ICICI official MakeMyTrip page
Operator config (MakeMyTrip)

Rewards

Base earn: 1 myCash / ₹100 value depends on redemption
Headline point value: ₹1.00 per myCash (Travel) · verified 20 Jun 2026 Operator-verified headline rate — full channel grid in Redemption value.

Redemption value

You earn: myCash
Travel: ₹1.00 per myCash · verified 20 Jun 2026

Insurance Cover

Air accident cover: ₹1 crore
Personal accident cover: ₹1 crore

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹999
Joining fee: ₹999 · verified 20 Jun 2026
Fee waiver spend: ₹3,00,000 · verified 20 Jun 2026 Above catalog median waiver (₹2,00,000 vs ₹3,00,000).
Interest-free period: Up to 48 days · verified 7 Jul 2026

International Use

Forex markup: 0.99%

2 sources agree · verify issuer terms before applying

Where to verify

ICICI official MakeMyTrip page
Operator-verified anchor
Product tier: Mid-tier