ICICI MakeMyTrip Credit Card

About ICICI MakeMyTrip Credit Card

Are you tired of paying full price for your flights and hotel stays? The ICICI MakeMyTrip Credit Card is designed to turn your travel expenses into future savings. If you book even two or three trips a year, this card can put a significant amount of money back into your pocket through its dedicated myCash reward system.

This card offers a potential annual saving of ₹15,747, making it a powerhouse for frequent travelers. Unlike cards that give you complicated points to calculate, this one uses a simple 1:1 ratio where 1 myCash equals ₹1. Whether you are booking a weekend getaway or an international vacation, your daily spends help fund your next trip.

Built for salaried and self-employed professionals earning at least ₹20,000 monthly, this card is highly accessible. It bridges the gap between basic shopping cards and premium travel cards by offering airport and railway lounge access alongside high-value movie benefits.

What sets it apart:

• → Dual Welcome Bonus: Get ₹500 myCash plus a ₹2,000 Lemon Tree Hotels voucher just for joining.
• → Travel-Specific Earnings: Earn up to 1.5% value back on hotel and holiday bookings through MakeMyTrip.
• → Zero Entry Cost: Enjoy all these features with no joining fee for the first year.

Quick check: To qualify, you will need a minimum monthly income of ₹20,000 and a credit score of 720 or higher. If you meet these criteria, you can access one of the most rewarding co-branded travel cards in India.

Let's break down why this card deserves a spot in your wallet:

Key Benefits and Features of ICICI MakeMyTrip Credit Card

The ICICI MakeMyTrip Credit Card is packed with rewards that cater to travelers, movie buffs, and foodies alike. Here is a detailed look at the benefits you can expect.

Welcome Benefits worth ₹2,500+

As soon as you receive your card, you get a head start on your travel savings. The welcome package includes:

• ₹500 myCash: This is credited directly to your MakeMyTrip MyWallet.
• ₹2,000 Lemon Tree Hotels Voucher: Redeemable for hotel stays booked through the MakeMyTrip platform.
• MMTBLACK Membership: This complimentary membership allows you to earn up to ₹25,000 myCash as you hit various spend milestones, offering massive long-term value for heavy spenders.

Earning myCash on Every Spend

The reward structure is straightforward. You earn myCash for every ₹200 spent, and since 1 myCash equals ₹1, tracking your rewards is simple. The earning rates are:

• Hotel and Holiday Bookings: Earn 3 myCash per ₹200 spent on MakeMyTrip.
• Flight Bookings: Earn 2 myCash per ₹200 spent on MakeMyTrip.
• International Spends: Earn 1.25 myCash per ₹200 on all transactions outside MakeMyTrip.
• Domestic Spends: Earn 1 myCash per ₹200 on all other domestic transactions.

Note: You will not earn rewards on rent payments, fuel, EMI transactions, or cash withdrawals. It is best to use this card for direct shopping and travel bookings to maximize your returns.

Lounge Access and Travel Perks

Traveling becomes more comfortable with dedicated lounge access across India. This card provides:

• Domestic Airport Lounges: 4 complimentary visits per year.
• Railway Lounges: 4 complimentary visits per year to select railway lounges in India.

Entertainment and Dining Rewards

This card is not just for travel; it covers your lifestyle needs as well. If you enjoy movies, the "Buy One Get One" (BOGO) offer is one of the best in this segment.

• Movie Benefits: Get up to 24 complimentary BOGO movie tickets every year through BookMyShow. This can save you thousands of rupees annually if you are a regular cinema-goer.
• Culinary Treats: Save up to 15% on your dining bills at over 2,500 partner restaurants across India through the ICICI Bank Culinary Treats Program.

Milestone Rewards

ICICI rewards you for staying loyal to the card. If you hit specific spending targets in a year, you get extra myCash:

• Earn ₹1,000 myCash when you spend ₹50,000 annually.
• Earn an additional ₹1,000 myCash when your annual spends reach ₹2.5 Lakhs.

Fees and Eligibility Summary

Understanding the costs is vital for any credit card user. The ICICI MakeMyTrip Credit Card is very affordable for the features it provides:

• Joining Fee: ₹0 (The card is free for the first year).
• Annual Fee: ₹999 (Applicable from the second year onwards).
• Age Requirement: 21-65 years for both salaried and self-employed individuals.
• Minimum Income: ₹2.4 Lakhs per annum (₹20,000 per month).
• CIBIL/CRIF Score: A score of 720 or higher is recommended for a smooth application process.

How to Apply?

Applying for the ICICI MakeMyTrip Credit Card is a straightforward digital process. Follow these steps to get started:

1. Step 1: Visit the ICICI Bank official website or the MakeMyTrip mobile app and navigate to the credit cards section.
2. Step 2: Check your eligibility. Ensure you meet the minimum income requirement of ₹2.4 LPA and have a CRIF score above 720.
3. Step 3: Fill in your personal details, including your name, mobile number, and employment type.
4. Step 4: Provide your professional details, such as your company name and monthly take-home salary.
5. Step 5: Submit the application. You will receive an application reference number to track your status.
6. Step 6: Complete the KYC process. An executive may contact you for document collection or guide you through Video KYC.
7. Step 7: Once the bank verifies your documents and credit history, the card will be dispatched to your registered address.

You can verify your application status or resolve queries immediately by calling the ICICI Bank 24/7 customer support line or visiting a local branch.

Credit Limit and What to Expect

Credit limits are assigned based on your income, credit score, and existing banking relationship with ICICI Bank. Most applicants receive an initial credit limit ranging from ₹40,000 to ₹3,00,000, depending on their income profile and credit history.

Applicants with a stable income and a CRIF score above 750 consistently qualify for higher initial limits. ICICI Bank reviews accounts every 6 to 12 months, and you become eligible for a limit increase based on your consistent repayment history and spending patterns.

Comparison Table

To see how the ICICI MakeMyTrip Credit Card stacks up against other popular travel and lifestyle cards, look at the table below:

The ICICI MakeMyTrip card is the clear winner if you want a balance of airport and railway lounge access combined with massive movie benefits. While the Amazon Pay card is better for general shopping, it lacks the travel-specific perks like the Lemon Tree voucher and MMTBLACK membership that come with this card.

Documents Required for ICICI MakeMyTrip Credit Card Application

You will need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration, or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the ICICI MakeMyTrip Credit Card:

The Frequent Domestic Traveler: If you are a professional earning ₹30,000 monthly and you book at least four flights or hotel stays a year through MakeMyTrip, this card is a no-brainer. Between the ₹2,500 welcome benefits and the lounge access, the card pays for itself in the first few months. You could easily save over ₹10,000 annually just by shifting your travel bookings to this card.

The Movie and Weekend Explorer: You might not travel every month, but you enjoy your weekends. If you spend ₹10,000 monthly on general shopping and love going to the cinema, the 24 BOGO movie tickets are a huge draw. Combined with the 15% dining discount, this card serves as a great lifestyle companion for city dwellers.

The Railway Commuter: Many travel cards ignore train travelers. If you frequently use premium trains and need a quiet place to wait, the 4 complimentary railway lounge visits add significant value that most other cards at this price point do not offer.

You might want to skip this card if:

• You rarely use MakeMyTrip and prefer booking directly through airline websites or other aggregators.
• You want cashback that you can use anywhere, rather than myCash which is locked to the MMT ecosystem. In that case, a generic cashback card might serve you better.

BankKaro Expert Review

Based on the card's features, the ICICI MakeMyTrip Credit Card excels at providing high value to entry-level and mid-level travelers. It is rare to see a card with a ₹2.4 LPA income requirement offering both airport and railway lounge access plus a massive BOGO movie deal. This makes it one of the most well-rounded "first travel cards" for young professionals in India.

The biggest limitation is the redemption of myCash. Since your rewards are credited to the MakeMyTrip wallet, you are restricted to spending them within their platform. If MakeMyTrip does not have the best price for a particular flight, your rewards lose some of their competitive edge. Additionally, the annual fee of ₹999 from the second year is something to keep in mind, as this specific card variant does not offer an annual fee waiver based on spending milestones.

Our verdict: Choose this card if you are a loyal MakeMyTrip user who wants to maximize travel savings without paying a high joining fee. The welcome benefits alone cover more than two years of the annual fee, making it a low-risk, high-reward choice for most travelers.

Terms and Conditions

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• myCash earned is credited to the MakeMyTrip wallet and can be redeemed for flights, hotels, holiday packages, trains, buses, cabs, and visas.
• Up to 100% of the booking value can be paid using myCash, subject to MakeMyTrip's specific booking policies.
• The annual fee is applicable from the second year onwards and is subject to change as per bank policy.
• Exclusions for reward earnings include cash advances, ATM withdrawals, EMI spends, and rent payments.