M16S / ICICI Bank / MakeMyTrip ICICI Bank Platinum Credit Card
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MakeMyTrip ICICI Bank Platinum Credit Card
The MakeMyTrip ICICI Bank Platinum Credit Card charges no annual fee, with a joining fee of Rs 500. Its base return is 0.5% (1 myCash per Rs 200 domestic). Accelerated earn: 3 myCash per Rs 200 on MMT hotels; 2 per Rs 200 on MMT flights. The forex markup is 3.5%. Lounge visits in India: 1 per quarter; railway lounge 1 per quarter. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- ICICI cards lose air accident cover and INOX, fees rise, Dec 2026
From 15 December 2026, ICICI Bank ends air accident cover on 7 cards, CFAR cover on 4 and the INOX benefit on 9. Card replacement goes to Rs 300 plus GST from 11 December.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Free |
| Fee notes | One-time joining fee, no annual fee. |
Rewards
| Welcome benefit | Rs 500 myCash and MakeMyTrip holiday voucher up to Rs 3,000 |
|---|---|
| Reward currency | myCash |
| Base earn | 1 myCash per Rs 200 domestic |
| Base returnunverified | 0.5% |
| Point valueunverified | 1 myCash = Rs 1 on MakeMyTrip (Card Insider) |
| Accelerated earn | 3 myCash per Rs 200 on MMT hotels; 2 per Rs 200 on MMT flights |
| Spends that earn nothing | No reward points on rent (MCC 6513), per MITC |
| Points expiry | 12 months from credit |
| Milestone benefits | 1,000 myCash on Rs 50,000 spend; 1,000 myCash on Rs 2.5 lakh spend |
| Reward notes | base_return_pct = 1/200 x Rs 1 = 0.5%. |
Travel and perks
| Domestic lounge | 1 per quarter; railway lounge 1 per quarter |
|---|---|
| International lounge | None |
| Lounge conditions | Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-4,000 fuel txns at HPCL pumps on ICICI terminals |
| Other freebies | Movie tickets 25% off up to Rs 100 |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000) |
| Cash advance fee | 2.5% min Rs 500 |
| Eligibility | Income Rs 20,000 a month |
| Fine-print notes | Issuer hub page calls this an 'older card'; the page does not say outright that applications are closed. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts. |
Questions
- What is the annual fee of the MakeMyTrip ICICI Bank Platinum Credit Card?
- No annual fee.
- Does the MakeMyTrip ICICI Bank Platinum Credit Card give airport lounge access?
- Yes. In India: 1 per quarter; railway lounge 1 per quarter. Outside India: none listed. Conditions: Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.
- What is the forex markup on the MakeMyTrip ICICI Bank Platinum Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the MakeMyTrip ICICI Bank Platinum Credit Card?
- No reward points on rent (MCC 6513), per MITC