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MakeMyTrip ICICI Bank Credit Card
ICICI • Visa

MakeMyTrip ICICI Bank Credit Card

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Decision memo
Get it if

Concentrate eligible MakeMyTrip hotel/flight transactions to maximize travel-linked value-back

Skip it if

Platform-lock risk can reduce card usefulness if travel behavior shifts away from MMT

Verified 12 Feb 2026VerifiedHigh confidence2 sources checked

For MakeMyTrip-Focused Domestic Travelers. 6% on travel spend. ₹500 fee, waiver at ₹3,00,000 / year. Lounge rule: ₹2 / quarter.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

MakeMyTrip-Focused Domestic Travelers

  • Welcome MakeMyTrip voucher after first qualifying transaction and fee payment
  • Up to 6% MyCash on MakeMyTrip hotel bookings and 3% on selected travel categories
  • 1% MyCash on other eligible spends
  • Annual fee waiver on ₹3L annual spend
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Highest value is platform-locked to MakeMyTrip ecosystem
  • MyCash redemption rules and expiry policy affect realized value
  • Outside travel categories, return is closer to base rewards
Annual Fee₹500Joining fee ₹500
Spend to Waive Fee₹3,00,000 / yearWaived on ₹3L annual spend
Best Category Return6%Travel spend
Lounge Access Condition₹2 / quarter75 visits listed

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Concentrate eligible MakeMyTrip hotel/flight transactions to maximize travel-linked value-back.
  • Track annual spend against fee waiver threshold instead of spreading travel bookings across multiple platforms.
  • Use a non-travel cashback card for daily spends outside travel buckets.

Watch before applying

  • Platform-lock risk can reduce card usefulness if travel behavior shifts away from MMT.
  • MyCash usage windows and offer validity can affect realized value.
  • Always verify current travel promo terms before large prepaid bookings.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

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Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual fee₹500

Joining fee ₹500

Fee waiver₹3,00,000 / year

Waived on ₹3L annual spend

Best return6%

Travel spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

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Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹3L annual spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.

Reward rate breakdown

Open the category chart when two cards are close and you need the exact spend shape.

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Reward Rate Breakdown

Category-wise reward rates for this card

Travel
6.0%
Online
3.0%
Basedefault
1.0%
Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offersNone right now

Offer availability changes often.

Best redemptionNot highlighted

This card is better treated as direct cashback or feature value.

MilestonesNo milestone edge

No standout milestone boost highlighted.

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

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Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listed75 visits

55 domestic • 20 international

Access rule₹2 / quarter

- Source file: ICICI domestic consolidated lounge list PDF (last updated January 2026). - Annexure 1 lists this variant with 1 complimentary domestic lounge visit(s) per quarter. - Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.

Coverage sourceIssuer mapped

Mapped from issuer lounge dataset + card policy signals

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

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Lounge eligibility checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for MakeMyTrip ICICI Bank Credit Card using your current quarter spend.

₹0 spent₹2 target

Policy signal used: - Source file: ICICI domestic consolidated lounge list PDF (last updated January 2026). - Annexure 1 lists this variant with 1 complimentary domestic lounge visit(s) per quarter. - Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.

Spend threshold

Waived on ₹3L annual spend

Quarter / cycle rule

Annexure 1 lists this variant with 1 complimentary domestic lounge visit(s) per quarter.

Guest access

Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

75 rows

Lounge locations

75 airport lounge rows
View lounge map and location list75 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Agartala

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AGA • Agartala Airport • Main Terminal

Ahmedabad

4 lounges • 3 domestic • 1 international

4
Adani LoungeDomestic

AHM • Ahmedabad Airport • Terminal 2

Adani lounge - Premium LoyaltyDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Allahabad

1 lounges • 1 domestic • 0 international

1
Zesto LoungeDomestic

AL1 • Allahabad Airport • Terminal 1

Amritsar

2 lounges • 1 domestic • 1 international

2
Airr LoungeInternational

AMR • Amritsar Airport • Main Terminal

Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Ayodhya

1 lounges • 1 domestic • 0 international

1
Casual Dining RestaurantDomestic

AYO • Maharshi Valmiki International Airport • Main Terminal

Bengaluru

7 lounges • 5 domestic • 2 international

7
080 LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

080 LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 LoungeInternational

BEN • Bengaluru Airport • Terminal 2

080 VIP LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

080 VIP LoungeInternational

BEN • Bengaluru Airport • Terminal 2

080 VIP LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

BLR LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

Bhopal

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

BHO • Raja Bhoj International Airport • Terminal 1

Bhubaneswar

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

O'Vetra LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeInternational

CHA • Chandigarh Airport • Main Terminal

Primus LoungeDomestic

CHA • Chandigarh Airport • Main Terminal

Chennai

3 lounges • 2 domestic • 1 international

3
Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 1

Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 4

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Terminal 1

Dabolim

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeDomestic

DAB • Dabolim Airport • Main Terminal

Travel Club LoungeInternational

DAB • Dabolim Airport • Main Terminal

Dehradun

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Carnations LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Saptagiri RestaurantDomestic

DIB • Dibrugarh Mohanbari Airport • Terminal 1

Durgapur

1 lounges • 1 domestic • 0 international

1
FlurysDomestic

DUR • Durgapur Airport • Main Terminal

Goa

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Encalm LoungeInternational

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

3 lounges • 2 domestic • 1 international

3
Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Prive LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Jammu

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

JAM • Jammu Airport • Terminal 1

Kannur

2 lounges • 1 domestic • 1 international

2
Pearl LoungeInternational

KAN • Kannur Airport • Main Terminal

Pearl LoungeDomestic

KAN • Kannur Airport • Main Terminal

Kochi

3 lounges • 1 domestic • 2 international

3
Earth Business LoungeInternational

KOC • Kochi Airport • Terminal 3

Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Earth LoungeInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeInternational

KOL • Kolkata Airport • Terminal 2

Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 2

Lucknow

2 lounges • 1 domestic • 1 international

2
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

BudweiserInternational

LUC • Lucknow Airport • Terminal 3

Madurai

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

MAD • Madurai Airport • Terminal 1

Mumbai

6 lounges • 4 domestic • 2 international

6
Adani East LoungeInternational

MUM • Mumbai Airport • Terminal 2

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Adani Silver LoungeInternational

MUM • Mumbai Airport • Terminal 2

Good Times BarDomestic

MUM • Mumbai Airport • Terminal 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Terminal 1

The Airr Lounge And BarDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Main Terminal

Navi Mumbai

1 lounges • 1 domestic • 0 international

1
Adani Silver LoungeDomestic

NAV • Navi Mumbai International Airport • Terminal 1

New Delhi

5 lounges • 4 domestic • 1 international

5
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Prive LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Pune

3 lounges • 1 domestic • 2 international

3
Earth LoungeInternational

PUN • Pune Airport • Terminal 1

Elysian LoungeInternational

PUN • Pune Airport • Main Terminal

Elysian LoungeDomestic

PUN • Pune Airport • Main Terminal

Raipur

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

RAI • Raipur Airport • Terminal 1

Ranchi

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Main Terminal

Siliguri

1 lounges • 1 domestic • 0 international

1
Take Off Bar And LoungeDomestic

SIL • Bagdogra Airport • Main Terminal

Srinagar

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

SRI • Srinagar Airport • Terminal 1

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Visakhapatnam

1 lounges • 1 domestic • 0 international

1
Air LoungeDomestic

VI1 • Visakhapatnam Airport • Main Terminal

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹500
  • Annual fee₹500
  • Waiver threshold₹3,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyMyCash redemption rules and expiry policy affect realized value
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count55
  • International count20
  • Quarterly limitNot listed
  • Airport-terminal rows75
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports30
  • Approval reports19

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

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Is MakeMyTrip ICICI Bank Credit Card lifetime free?

It has an annual fee of ₹500. Waived on ₹3L annual spend

What rewards does MakeMyTrip ICICI Bank Credit Card offer?

Earn MMT MyCash on bookings: up to 6% on hotels and 3% on flights/holidays/cabs/buses, plus 1% on other eligible spends.

Does MakeMyTrip ICICI Bank Credit Card include lounge access?

MakeMyTrip ICICI Bank Credit Card lists 75 lounge visits (55 domestic, 20 international).

Who should consider MakeMyTrip ICICI Bank Credit Card?

MakeMyTrip-Focused Domestic Travelers

Where can I apply for MakeMyTrip ICICI Bank Credit Card?

Check the issuer link listed for this card.

Sources and verification

Issuer link, last verification date, and how this page was assembled.

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Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit