MakeMyTrip ICICI Bank Credit Card Review (2026)

Quick verdict: The MakeMyTrip ICICI Bank Credit Card is best for makemytrip travel. It earns 6% hotels, 3% flights (myCash), with an annual fee of Rs 999 (waiver on Rs 3L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The MakeMyTrip ICICI Bank Credit Card rewards travel booked through MakeMyTrip with myCash — 6% on hotels and 3% on flights, holidays, cabs and buses — and adds a very low 0.99% forex markup for international spends.

myCash is unlimited and never expires, and a complimentary MMTBLACK Gold membership stacks further travel discounts, making it a strong pick for MMT loyalists.

Fees & Charges

Rewards & Benefits

• 6% myCash on hotel bookings and 3% on flights, holiday packages, cabs and buses via MakeMyTrip.
• 1% myCash on all other spends, on or off MakeMyTrip; myCash is unlimited and never expires.
• Very low 0.99% foreign-currency markup for international spends.
• Complimentary one-year MMTBLACK Gold membership plus MakeMyTrip welcome vouchers.
• Non-spend-based airport lounge access and movie offers (subject to revised 2026 conditions).

Pros & Cons

Who Should Get This Card?

• People who book travel via MakeMyTrip
• International travellers wanting low forex
• Anyone loyal to the MMT ecosystem

Frequently Asked Questions

How to Get the Most from the MakeMyTrip ICICI Bank Credit Card

• Use it where it is strongest — makemytrip travel — where it earns 6% hotels, 3% flights (myCash); route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 999 (waiver on Rs 3L spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on ICICI Bank and the card variant, but for the MakeMyTrip ICICI Bank Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing ICICI Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 6% hotels, 3% flights (myCash). To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Currency Converter — check live forex rates before spending or travelling abroad.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• Axis Bank Atlas Credit Card — Air miles & travel
• American Express Platinum Travel Credit Card — Travel milestones
• RBL Bank World Safari Credit Card — Zero-forex travel
• IndusInd Bank Legend Credit Card — Low forex & lifetime value
• IRCTC SBI Card Premier — Train travel