M16S / ICICI Bank / MakeMyTrip ICICI Bank Credit Card
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MakeMyTrip ICICI Bank Credit Card
The MakeMyTrip ICICI Bank Credit Card costs Rs 999 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1% (1 myCash per Rs 100 on other retail spends). Accelerated earn: 6 myCash per Rs 100 on MakeMyTrip hotels; 3 per Rs 100 on MMT flights, buses, cabs. The forex markup is 0.99%. Lounge visits in India: 2 per quarter. Abroad: 1 per year via Priority Pass, primary only. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 999+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 1%
- Forex markup
- 0.99%
- 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.
- MakeMyTrip ICICI card: zero forex, new myCash rules from Nov 2026
From 10 November 2026, the MakeMyTrip ICICI Bank Credit Card drops its forex markup and DCC fee, stops myCash on international spends outside MakeMyTrip, and gives new myCash a 24-month life.
- ICICI Bank ends lounge spend exemption on Adani One Signature and MakeMyTrip, Jul 2026
The exemption from the Rs 75,000 quarterly spend condition for domestic lounge access ran till 30 Jun 2026. From 1 Jul 2026 both cards need that spend in a calendar quarter to unlock lounges in the next one. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- 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 drops rent, government and education spends from fee waiver, Nov 2024
From 15 Nov 2024 rent, government and education payments no longer count toward the spend threshold for annual fee reversal and milestone benefits. 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 999 |
|---|---|
| Annual fee | Rs 999 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Dual-variant (Mastercard + RuPay). Add-on Rs 199. |
Rewards
| Welcome benefit | Rs 1,000 MakeMyTrip voucher on joining fee; MMTBLACK Gold membership for 1 year. Renewal: Rs 1,000 MMT hotel voucher (valid 3 months). |
|---|---|
| Reward currency | myCash |
| Base earn | 1 myCash per Rs 100 on other retail spends |
| Base returnunverified | 1% |
| Point valueunverified | 1 myCash = Rs 1 on MakeMyTrip (Card Insider) |
| Accelerated earn | 6 myCash per Rs 100 on MakeMyTrip hotels; 3 per Rs 100 on MMT flights, buses, cabs |
| Caps | No general cap stated; insurance capped at 1,000 points per anniversary year (MITC) |
| Spends that earn nothing | Rent, cash advances, fees, EMI, balance transfers, personal loans. Fuel does earn on this card (MITC). |
| Points expiry | Never expire |
| Reward notes | base_return_pct = 1/100 x Rs 1 = 1%. myCash credits to the MMT wallet; cannot be encashed. MMTBLACK Gold via the card excludes the tier's own myCash benefit. |
Travel and perks
| Domestic lounge | 2 per quarter |
|---|---|
| International lounge | 1 per year via Priority Pass, primary only |
| Lounge conditions | Rs 75,000 spend in a calendar quarter unlocks domestic visits in the next quarter, from 1 Jul 2026, per the MITC last updated 9 Oct 2026. ICICI's changes page still lists this card as exempt. |
| Forex markup | 0.99% |
| Other freebies | BookMyShow and INOX 25% off up to Rs 150, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); 3-month no-cost EMI on MMT; concierge on RuPay |
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 | Age 21+; salaried Rs 20,000 a month; self-employed Rs 2,40,000 a year |
| Fine-print notes | 0.99% forex markup is the lowest in the ICICI range. 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 Credit Card?
- Rs 999 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the MakeMyTrip ICICI Bank Credit Card give airport lounge access?
- Yes. In India: 2 per quarter. Outside India: 1 per year via Priority Pass, primary only. Conditions: Rs 75,000 spend in a calendar quarter unlocks domestic visits in the next quarter, from 1 Jul 2026, per the MITC last updated 9 Oct 2026. ICICI's changes page still lists this card as exempt.
- What is the forex markup on the MakeMyTrip ICICI Bank Credit Card?
- 0.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the MakeMyTrip ICICI Bank Credit Card?
- Rent, cash advances, fees, EMI, balance transfers, personal loans. Fuel does earn on this card (MITC).