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ICICI BankMakeMyTrip
Mastercard / RuPay

ICICI Bank · Mastercard / RuPay

MakeMyTrip

Joining ₹999 · Annual ₹999 · Spend ₹3 lakh in a year to get the next year's annual fee waived

Fee break-even: ≈₹99,900/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns MyCash · assumed 1 ₹/point. 1 myCash = ₹1, credited to the MakeMyTrip wallet and never expiring while the card is active. No redemption fee. The hard constraint is that myCash is spendable ONLY on MakeMyTrip. Flights, hotels, holidays and MMT partner vouchers. And cannot be encashed or moved to a bank account. So the ₹1 value is fully real for someone who books travel through MMT and effectively zero for someone who doesn't. Note the complimentary MMTBLACK Gold membership explicitly EXCLUDES MMTBLACK's own myCash benefit, so nothing stacks on top of the card rates.

Verified 10 Aug 2026
Forex markup0.99%
GolfNone
Fuel surchargeNone
Concierge24x7 concierge service. Available on the RuPay variant only, not the Mastercard variant
EMI2.99% capped at ₹299 plus GST at a merchant, up to 2% converting a billed balance processing fee · A converted purchase stops earning rewards · 2.99% of the purchase capped at ₹299 plus GST, so anything above roughly ₹10,000 costs the full ₹299. On No Extra Cost EMI at selected brands the merchant absorbs the interest but this fee still stands. Fuel, gold, jewellery, gambling and cash cannot be converted. · EMI transactions, balance transfers and personal-loan transactions earn no myCash
Domestic lounge8 a year. 2 complimentary domestic lounge visits per calendar quarter (8 a year), primary cardholder only. No add-on or guest access. CRITICAL CHANGE, CONFIRMED: from 1 July 2026 these are spend-gated. You must spend ₹75,000 or more on the card in a calendar quarter to unlock the 2 visits in the following quarter. Qualifying spend excludes rent, education, government payments, interest, joining/annual fees, reward redemptions, EMIs and reversals.
International lounge1 a year. 1 complimentary international lounge visit per calendar year via a Priority Pass membership (1,400+ lounges in 145+ countries), primary cardholder only. Additional visits are charged at Priority Pass rates.

Return by category

CategoryReturnNotes
Online spend1%Base rate
Amazon1%Base rate
Flipkart1%Base rate
Subscriptions & OTT1%Base rate
Offline spend1%Base rate
UPI spending1%No published cap on UPI myCash · Only the RuPay half of the dual-card set can be linked to UPI (Google Pay, Paytm etc.). UPI spend earns myCash at the card's standard structure, so 1% on ordinary UPI payments. RuPay's own coin programme can add up to a further 1% on top, but that is a network promotion rather than a card guarantee. Merchant categories that are excluded card-wide (rent, fuel, government) stay excluded on UPI too.
Dining1%Base rate
Swiggy1%Base rate
Zomato1%Base rate
Groceries1%Base rate
Quick commerce1%Base rate
Swiggy Instamart1%Base rate
Blinkit1%Base rate
BigBasket1%Base rate
Movies & shows1%Base rate
BookMyShow1%Base rate
PVR INOX1%Base rate
Fuel0%No myCash on fuel. This card also carries no fuel surcharge waiver
Travel (general)1%The 3% is MakeMyTrip only, covering holiday packages, cabs and buses. Travel booked anywhere else earns the 1% base.
Flights1%MakeMyTrip flight bookings earn 3%. A flight booked anywhere else earns the 1% base.
Hotels1%MakeMyTrip hotel bookings earn 6%. A hotel booked anywhere else earns the 1% base.
MakeMyTrip3%3 myCash per ₹100 on MakeMyTrip flight bookings only. Non-MMT flights earn 1%.
IRCTC rail1%Uses its travel rate
International0.01%1% reward − 0.99% forex markup
Utilities & bills1%Base rate
Rent0%No myCash on rent payments
Education fees1%Base rate
Insurance premiums1%1,000 myCash per anniversary year (≈₹1 lakh spend)
Government & tax0%No myCash on government services or tax payments under ICICI's Jan 2026 portfolio-wide exclusions
Wallet loads0%No myCash on third-party wallet loads, plus a 1% fee on loads of ₹5,000 or more from 15 Jan 2026
Anything else1%Base rate
Jewellery1%Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

  • Issued as a two-card SET on a single account and a single credit limit. One Mastercard and one RuPay card, with the RuPay card being the UPI-linkable one
  • Welcome benefit: ₹1,000 MakeMyTrip voucher on joining-fee realisation (1-year validity)
  • Renewal benefit: ₹1,000 MakeMyTrip hotel voucher on annual-fee payment. Note the short 3-month validity, which materially cuts its real value
  • Complimentary 1-year MMTBLACK Gold membership, which brings tier discounts and priority support. But explicitly WITHOUT MMTBLACK's myCash earning benefit
  • Movies: 25% off up to ₹150 on tickets via BookMyShow and INOX, twice a month per variant (dual-card holders get one offer per month per variant). From 1 April 2026 this needs ₹25,000 of spend in the preceding spend quarter
  • 3-month no-cost EMI on MakeMyTrip bookings
  • Culinary Treats dining programme discounts
  • 0.99% forex markup is the standout: among the lowest on any sub-₹1,000-fee Indian card, and ICICI's Jan 2026 DCC revision confirmed 0.99% for this card while most of the portfolio went to 3.50%
  • Still open to fresh applications. Not invite-only
  • Portfolio-wide from March 2026 statements: harsher minimum-amount-due formula (GST on interest and fees, full EMI principal and interest, overlimit amount, and the higher of 5% of spends or the whole finance-charge component)

Other exclusions

  • EMI transactions, balance transfers and personal-loan transactions earn no myCash
  • Cash advances earn no myCash
  • 2% fee on gaming-platform transactions from 15 Jan 2026

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.

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