M16S / ICICI Bank / MakeMyTrip ICICI Bank Signature Credit Card
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MakeMyTrip ICICI Bank Signature Credit Card
The MakeMyTrip ICICI Bank Signature Credit Card charges no annual fee, with a joining fee of Rs 2,500. Its base return is 0.63% (1.25 myCash per Rs 200 domestic). Accelerated earn: 4 myCash per Rs 200 on MMT hotels; 2 per Rs 200 on MMT flights. The forex markup is 3.5%. Lounge visits in India: 2 per quarter; railway lounge 1 per quarter. Abroad: 1 per year (Priority Pass if applied on/after 15 Nov 2024, DreamFolks before). Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.63%
- 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.
- ICICI Bank ties BookMyShow benefit to Rs 25,000 quarterly spend, Apr 2026
From 1 Apr 2026 the BookMyShow benefit on these cards needs Rs 25,000 of spend in the previous spends quarter. Spends from 26 Dec 2025 to 25 Mar 2026 unlock April to June 2026. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank adds fees on wallet loads, gaming and transport, Jan 2026
From 15 Jan 2026 ICICI Bank charges 1% on wallet loads of Rs 5,000 or more, 2% on skill-based gaming and 1% on transportation transactions above Rs 50,000. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank raises Dynamic Currency Conversion fee, Jan 2026
From 15 Jan 2026 statements the DCC fee on rupee transactions abroad is 3.50% on most cards, up from 1%. It is 2.00% on Emeralde Private Metal and Emeralde, 1.99% on Amazon Pay and 1.49% on Times Black. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank ties domestic lounge access to Rs 75,000 quarterly spend, Jan 2025
From 1 Jan 2025 complimentary domestic lounge access on these cards needs Rs 75,000 of spend in the previous calendar quarter. Rent, government, education and EMI spends do not count. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- MakeMyTrip ICICI Signature gives Priority Pass to new applicants, Nov 2024
Customers who applied on or after 15 Nov 2024 get a Priority Pass membership with access to 1,400+ lounges in 145+ countries. Customers who applied earlier keep DreamFolks with 650+ lounges in 100+ countries. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank adds 1% fee on fuel, utility and education payments, Nov 2024
From 15 Nov 2024 ICICI Bank charges 1% on fuel transactions above Rs 10,000, 1% on utility payments above Rs 50,000 and 1% on education payments made through third-party apps. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank stops reward points on rent and wallet loads, Feb 2024
From 5 Feb 2024 rent pay and e-wallet loading transactions earn no reward points on ICICI Bank credit cards. The Amazon Pay ICICI Bank card is exempt. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank moves government payments into the utility category, Feb 2024
From 5 Feb 2024 government transactions count as utility payment transactions on ICICI Bank credit cards, so they follow the utility earn rules and caps. The Amazon Pay ICICI Bank card is exempt. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
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 2,500 |
|---|---|
| Annual fee | Free |
| Fee notes | One-time joining fee, no annual fee. |
Rewards
| Welcome benefit | MakeMyTrip holiday voucher Rs 2,500, 1,500 myCash, MMTBLACK Platinum membership |
|---|---|
| Reward currency | myCash |
| Base earn | 1.25 myCash per Rs 200 domestic |
| Base returnunverified | 0.63% |
| Point valueunverified | 1 myCash = Rs 1 on MakeMyTrip (Card Insider) |
| Accelerated earn | 4 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 | 1,100 myCash on Rs 2.5 lakh spend; 4,000 myCash on Rs 5 lakh spend |
| Reward notes | base_return_pct = 1.25/200 x Rs 1 = 0.63%. |
Travel and perks
| Domestic lounge | 2 per quarter; railway lounge 1 per quarter |
|---|---|
| International lounge | 1 per year (Priority Pass if applied on/after 15 Nov 2024, DreamFolks before) |
| 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 | BookMyShow 25% off up to Rs 150 |
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 | Not accepting new applications |
| Fine-print notes | Issuer page states applications are no longer accepted. 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 Signature Credit Card?
- No annual fee.
- Does the MakeMyTrip ICICI Bank Signature Credit Card give airport lounge access?
- Yes. In India: 2 per quarter; railway lounge 1 per quarter. Outside India: 1 per year (Priority Pass if applied on/after 15 Nov 2024, DreamFolks before). 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 Signature Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the MakeMyTrip ICICI Bank Signature Credit Card?
- No reward points on rent (MCC 6513), per MITC