MakeMyTrip ICICI Bank Credit Card
ICICI Bank · Open to apply
ICICI's MakeMyTrip co-brand: myCash (₹1 each, spent on MakeMyTrip) at 6% on hotels and 3% on flights, buses, cabs and holidays booked there, 1% elsewhere, a ₹1,000 voucher on joining, a low forex mark-up and two domestic lounge visits a quarter. ₹999 a year.
- Annual fee
- ₹999 + GST a year
- Joining fee
- ₹999 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- Domestic spends outside MakeMyTrip, 1% myCash: 1% in myCash (about 1% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹75,000 spend; International: 1 visit a calendar year
- Forex markup
- 0.99%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Hotel bookings on MakeMyTrip, 6% myCash: 6% in myCash (about 6% at cash value)
- Flight, bus, cab and holiday bookings on MakeMyTrip, 3% myCash: 3% in myCash (about 3% at cash value)
Earns nothing on
- No myCash on rent, cash, e-wallet loads or EMI
Where the sources disagree
- BookMyShow offer frequency: The product page's benefit list says 25% off up to ₹150 "twice a month"; the T&C says "once a month each on the Mastercard and the RuPay variants" and the page FAQ says one offer a month per variant, so "twice a month" is the two variants together. Entered as the T&C states it.
- myCash expiry: The product page says myCash "never expires"; the T&C says myCash earned from 2026-11-10 is valid 24 months (earlier myCash never expires). We use the T&C.
- Forex mark-up: The page and FAQ say 0.99%; the MITC of 2026-11-06 says no forex mark-up from 2026-11-10. The MITC is the more recent and specific; the change is dated.
Terms the calculator does not value
- Train bookings on MakeMyTrip earn a flat 25 myCash each, not a rate. Not modelled.
- Utilities, groceries and IRCTC railway spends outside MakeMyTrip earn the 1% base myCash: the MITC's capping tables name this card only for the 1,000-myCash insurance cap.
- myCash is worth ₹1 only on MakeMyTrip bookings and cannot be encashed, so the calculator's ₹1 per myCash overstates the value for anyone who books little there.
Sources
- MakeMyTrip ICICI Bank Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions for MakeMyTrip ICICI Bank Credit Card (Reward terms, the bank's own, read 6 Nov 2026)