Nilesh Roy, a software engineer from New Delhi, had always dreamed of exploring India’s diverse landscape but found his travel plans hindered by budget constraints. In March 2024, he came across the MakeMyTrip ICICI Bank Credit Card, which promised substantial rewards and travel benefits. Intrigued, Nilesh Roy decided to apply.

Nilesh Roy was overjoyed to learn that he could earn 6% MyCash on hotel reservations and 3% on flights, buses, and taxis booked through MakeMyTrip once he received the card. He also got a free MMTBLACK Gold Membership, which provides special discounts and benefits, and a ₹1,000 MakeMyTrip voucher as a joining bonus.

Nilesh Roy used the perks and points of his new credit card to plan his travels over the following several months carefully. He earned MyCash on his reservations and took advantage of the discounted hotel prices when he scheduled a weekend trip to Jaipur. He was able to catch up before flights thanks to the free domestic airport lounge access, which improved his travel experience.

Nilesh Roy was additionally convinced to think about travelling abroad by the low 0.99% currency markup cost, which made spending money abroad more feasible.

In addition to visiting several new places by the end of the year, Nilesh also had a sizable MyCash balance, which he used to pay for more trips. His ambition of travelling the world became a fulfilling reality thanks to the MakeMyTrip ICICI Bank Credit Card, which transformed his travel experiences.

Key Highlights of ICICI MMT Credit Card

A co-branded product for travellers, the MakeMyTrip ICICI Bank Credit Card provides several perks to improve travel and lifestyle experiences. The card's main features include:

Reward Program:

MakeMyTrip Bookings: You can earn up to 6% MyCash on bookings made through MakeMyTrip:

6% on hotel bookings.
3% on flights, holiday packages, cabs, and bus bookings.

Other Retail Spends: You can earn 1% MyCash on all other retail expenditures.

Joining and Annual Benefits:

Welcome Voucher: Receive a ₹1,000 MakeMyTrip voucher upon payment of the joining fee.
MMTBLACK Gold Membership: Complimentary membership providing exclusive discounts and privileges on MakeMyTrip.
Annual Voucher: Get a ₹1,000 MakeMyTrip hotel voucher upon payment of the yearly fee.

Travel Benefits:

Lounge Access: Enjoy 8 complimentary domestic airport lounge visits and 1 international lounge visit annually.
Low Forex Markup: Benefit from a competitive foreign exchange markup fee of 0.99% on international transactions.

Additional Perks:

Movie Offers: Avail a 'Buy One Get One' offer on movie tickets through BookMyShow and INOX, with a maximum discount of ₹150 on the second ticket, twice a month.
Dining Discounts: Access exclusive dining offers through the ICICI Bank Culinary Treats Programme.

Fees:

Read More – ICICI MMT Signature Credit Card 2025

Joining Fee: ₹999 plus GST.
Annual Fee: ₹999 plus GST, waived if annual spending exceeds ₹3,00,000.

This card is perfect for people who often use MakeMyTrip to schedule their travel and want to take advantage of points and incentives catered to their travel and lifestyle requirements.

Features of ICICI MMT Credit Card

Insurance Benefits:

Travel Insurance: Cardholders receive complimentary travel insurance coverage, providing peace of mind while travelling.

Flexible Payment Options:

EMI Facility: The card allows users to convert large purchases into easy monthly installments, making paying for travel and other expenses more manageable.

Cash Withdrawal:

ATM Withdrawals: Cardholders can use the credit card for cash withdrawals at ATMs, subject to cash withdrawal limits.

Enhanced Security Features:

Contactless Payments: The card supports contactless transactions for quicker and more secure payments.

Fraud Protection: The card offers fraud protection services, ensuring transaction safety.

Reward Redemption:

myCash Redemption: Users can redeem their accumulated myCash for bookings on MakeMyTrip or other purchases, enhancing the card's value proposition.

These features give cardholders more freedom and security when using the ICICI MakeMyTrip Credit Card, and they also improve their trip experience.

ICICI MMT Credit Card Cashback and Rewards

The MakeMyTrip ICICI Bank Credit Card offers a range of cashback and rewards made to improve your travel and lifestyle experiences. Here are some of the benefits:

Welcome Benefits:

Joining Voucher: Upon payment of the joining fee, you receive a MakeMyTrip voucher worth ₹1,000, valid for one year.
MMTBLACK Gold Membership: Complimentary one year membership provides added benefits and discounts.

Annual Benefits:

Hotel Voucher: On payment of the annual fee, you receive a MakeMyTrip hotel voucher worth ₹1,000, valid for three months.
Annual Fee Waiver: The annual fee of ₹999 + GST is waived if you spend ₹3,00,000 or more in an anniversary year.

myCash Rewards:

6% myCash: Earn 6% myCash on hotel bookings made through MakeMyTrip, over and above existing discounts.
3% myCash: Earn 3% myCash on flight, bus, and cab bookings via MakeMyTrip.
1% myCash: Earn 1% myCash on all other retail spends.

Every myCash point is worth ₹1 and can be used to book hotels, flights, vacation packages, taxis, and buses on MakeMyTrip. Interestingly, MyCash awards are perpetual.

Additional Benefits:

Lounge Access: Enjoy 8 complimentary domestic airport lounge accesses and 1 complimentary international airport lounge access per year.
Movie Discounts: Avail a 'Buy 1 Get 1' offer on movie tickets, with up to ₹150 off on the second ticket, available twice a month on BookMyShow and INOX.
Forex Markup: Benefit from a low forex markup fee of 0.99% on international transactions.

To get the most out of your MakeMyTrip ICICI Bank Credit Card, please read the terms and conditions linked to these advantages.

ICICI MMT Credit Card Fees and Other Charges

Fee Type	Details
Joining Fee	₹999 + GST. Upon payment, you receive a MakeMyTrip voucher worth ₹1,000, valid for one year.
Annual Fee	₹999 + GST. Waived if you spend ₹3,00,000 or more in an anniversary year.
Finance Charges (Interest Rate)	3.50% per month (42% annually) on the outstanding amount.
Cash Advance Fee	2.5% of the withdrawn amount, subject to a minimum of ₹300.
Foreign Currency Markup	0.99% on international transactions.
Late Payment Fee	Up to ₹100: Nil-₹101 to ₹500: ₹100- ₹501 to ₹10,000: ₹500-₹10,001 to ₹25,000: ₹750- ₹25,001 to ₹50,000: ₹900- Above ₹50,000: ₹1,000
Overlimit Charges	2.5% of the over-limit amount, subject to a minimum of ₹500.
Card Replacement Fee	₹100 + GST.
Rewards Redemption Fee	Nil.
Fuel Surcharge	1% surcharge waiver on fuel transactions up to ₹4,000 at HPCL fuel stations.

ICICI MMT Credit Card Pros and Cons

The MakeMyTrip ICICI Bank Credit Card offers several advantages and some limitations.

Pros:

High Rewards on MakeMyTrip Bookings: You can earn up to 6% MyCash on hotel bookings and 3% on flights, buses, and cabs booked through MakeMyTrip.
Low Forex Markup: You benefit of a low foreign exchange markup fee of 0.99% on international transactions, making it cost-effective for overseas spending.
Complimentary Lounge Access: You can enjoy 8 complimentary domestic airport lounge visits annually and 1 international lounge access per year without any spend-based conditions.
Welcome Benefits: You will receive a ₹1,000 MakeMyTrip voucher upon joining and a complimentary one-year MMTBLACK Gold Membership, offering additional discounts and privileges.

Cons:

Rewards Limited to MakeMyTrip: The myCash rewards are redeemable only on the MakeMyTrip platform, which may not be ideal for those who prefer flexibility in reward redemption.
Annual Fee: The card carries a yearly fee of ₹999 + GST, which is waived only if you spend ₹3,00,000 or more in an anniversary year. This threshold might be high for some users.
Limited Non-Travel Rewards: For non-travel-related spending, the reward rate is 1%, which is lower compared to other cards offering higher cashback or rewards on everyday purchases.

People who regularly use MakeMyTrip for their trip reservations are a good fit for the MakeMyTrip ICICI Bank Credit Card, which allows them to benefit from all of its features fully.

However, look at other credit cards that better fit your spending patterns if you have large non-travel expenses or prefer more flexible reward redemption possibilities.

Also Read - ICICI MakeMyTrip Credit Card Lounge Access

Eligibility Criteria for ICICI MMT Credit Card

Applicants must fulfil specific eligibility requirements to be eligible for the MakeMyTrip ICICI Bank Credit Card.

Eligibility Criteria:

Age:

Primary cardholders must be between 21 and 65 years old.
Add-on cardholders should be at least 18 years old.

Nationality:

The applicant should be an Indian resident.

Income:

For salaried individuals: Minimum monthly salary of ₹20,000.
For self-employed individuals: Annual income of ₹3 lakh as per income tax returns.

Credit Score:

Applicants should have a good credit score without any credit defaults.

Required Documents to Apply for ICICI MMT Credit Card

Documents Required:

Proof of Age: Birth Certificate or Passport.

Proof of Nationality: Passport or Aadhaar Card.

Proof of Income:

Salary slips for salaried individuals.
Income tax return documents for self-employed individuals.

Credit Score Report:

Recent credit score report from a recognised credit bureau.

For more detailed information, you can visit the official ICICI Bank website.

Please ensure you meet these criteria and have the necessary documentation before applying for the MakeMyTrip ICICI Bank Credit Card.

How to Apply for an ICICI MMT Credit Card

Step 1: Visit the official website or click on this link to directly access the webpage.
Step 2: On this page, you will see the MakeMyTrip ICICI Bank Credit Card. Click on Apply Now.
Step 3: A disclaimer will appear on your display. Click on the Proceed button below.
Step 4: Fill in the required personal and financial details accurately to complete the application form.
Step 5: Attach the necessary documents, such as proof of identity, address, and income.

Step 6: After reviewing all entered information, submit your application for processing.

Offline Application:

Step 1: Visit the nearest ICICI Bank branch.

Step 2: Inform the representative of your interest in applying for the MakeMyTrip ICICI Bank Credit Card.

Step 3: You will have to fill out the physical application form provided by the bank.

Step 4: Submit the photocopies of the required documents and your application.

Post-Application Process:

Step 1: Your application and documents will be verified, including a credit score assessment.

Step 2: Upon successful verification and approval, your credit card will be issued and mailed to your registered address.

Tracking Your Application:

Step 1: You can use the iMobile Pay app by visiting services > Card Services > Track application to monitor your application’s status.

Step 2: Alternatively, you can contact ICICI Bank’s 24/7 Customer Care for updates on your application status.

ICICI MMT Credit Card Customer Care

If you need assistance with your MakeMyTrip ICICI Bank Credit Card, you can reach out to ICICI Bank's Customer Care through the following channels:

Phone Support:

Toll-Free Number: 1800 1080

This number is available for personal banking enquiries, including credit card support.

Email Support:

Email Address: customer.care@icicibank.com

You can email the customer care team for non-urgent queries or detailed information.

Online Support:

Customer Care Portal: Visit the ICICI Bank Customer Care page for comprehensive support options, including FAQs, service requests, and more.

Branch Support:

Visit a Branch: You can also visit the nearest ICICI Bank branch for in-person assistance. To locate a branch near you, use the branch locator available on the ICICI Bank website.

For any grievances, you may call 1800 1080.

Please note that the regular hours for customer support are 7:00 a.m. to 9:00 p.m. Visit the official ICICI Bank website or contact customer service directly for the most precise and current information.

Conclusion

The MakeMyTrip ICICI Bank Credit Card is an excellent option for regular travellers who mostly use MakeMyTrip to book hotels, flights, and other travel-related services. With a minimal FX markup cost, free access to airport lounges, and significant MyCash rewards, it provides excellent value for travel-related expenses. However, not everyone may find its annual fee, restricted reward redemption possibilities, and reduced return on non-travel costs appealing.

If you are a loyal MakeMyTrip user and can maximize its travel benefits, this card can significantly enhance your travel experience. However, exploring other options might be beneficial for those seeking a more versatile cashback or rewards credit card.

Frequently Asked Questions Related to ICICI MMT Credit Card

Q. Does the MakeMyTrip ICICI Bank credit card offer complimentary airport lounge access?

Yes, we get both domestic and international airport lounge access on the new MMT ICICI Bank credit card.

Q. How do I view my MyCash or Reward Points?

You may see your MyCash balance by using the MakeMyTrip app.

Q. Does the ICICI Bank Credit Card offered by MakeMyTrip include an annual fee waiver?

Yes, given that the total amount spent on the credit card during the previous anniversary year was at least Rs. 2.99 lakh.