MakeMyTrip ICICI Bank Credit Card Review

The MakeMyTrip ICICI Bank Credit Card brings unparalleled benefits, especially for travel enthusiasts. With the flexibility of dual networks (Mastercard and RuPay) and exciting rewards, this card is a perfect companion for frequent travelers and MakeMyTrip users.

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Dual Network Advantage

The card is issued on both Mastercard and RuPay networks. Customers receive both variants at onboarding, offering wider acceptance and the added advantage of linking the RuPay card to UPI for seamless payments and rewards.

Key Features

• Joining/Annual Voucher: Worth ₹1,000.

• Up to 6% myCash Rewards: On MakeMyTrip bookings, over and above platform discounts.

• Forex Markup: Just 0.99% for international transactions.

• Complimentary MMTBLACK Gold Membership: Unlock exclusive travel perks.

• Lounge Access:

  • 8 complimentary domestic airport lounge visits annually.

  • 1 complimentary international airport lounge visit annually.

Key Benefits

1. Unlimited myCash Rewards: Rewards never expire.

2. Reward Rates:

   • 6% myCash on hotel bookings.

   • 3% myCash on flights, buses, and cabs.

   • 1% myCash on other retail spends (excluding EMI and rent payments).

   • Train Bookings: Earn 25 myCash per booking.

   • Insurance: 1% myCash (capped at 1,000 myCash annually).

3. Joining Benefits:

   • ₹1,000 MakeMyTrip voucher (valid for 12 months) for flights, hotels, holiday packages, buses, and cabs.

   • Complimentary MMTBLACK Gold Membership for one year.

4. Annual Benefits:

   • ₹1,000 hotel voucher (valid for 3 months) for MakeMyTrip bookings.

   • Annual fee waiver on spending ₹3,00,000 in an anniversary year.

Reward Details

On MakeMyTrip:

• Flights, cabs, buses: 6 myCash per ₹200 spent.

• Hotels: 12 myCash per ₹200 spent.

• Holiday bookings: 6 myCash per ₹200 spent.

• Train bookings: 25 myCash per booking.

Non-MakeMyTrip Spends:

• Domestic and International: 2 myCash per ₹200 spent.

• Insurance: 2 myCash per ₹200 spent (capped at 1,000 myCash annually).

myCash Value:

• 1 myCash = ₹1.

Lounge & Lifestyle Benefits

• Domestic Lounge Access: 8 complimentary visits annually (requires spending ₹75,000).

• International Lounge Access: 1 complimentary visit annually with a Priority Pass.

• Movie Offers: Buy 1, get ₹150 off on the second ticket (twice a month on BookMyShow and INOX).

List of Domestic Lounges

List of International Lounges

MMTBLACK Gold Membership

As a joining benefit, primary cardholders get complimentary MMTBLACK Gold Membership within 45 days of paying the joining fee. The MMTBLACK program offers two tiers: Gold and Platinum.

Eligibility and Benefits:

• New Members: Auto-enrolled into MMTBLACK Gold.

• Existing Members: Membership extended by 12 months.

• Upgrade to Platinum: Spends over ₹2,00,000 and 4 trips in 12 months.

• Downgrade to Gold: Spends between ₹50,000 and ₹2,00,000 with 4 trips in 12 months.

Eligible Spends:

• Flight, hotel, bus, cab, train bookings.

• Domestic and international holiday packages.

• Activities and experiences via MakeMyTrip.

Benefits:

• Cardholders can enjoy all program benefits except myCash rewards from the MMTBLACK program.
• MyCash rewards of up to 6% will follow the rewards program for the co-branded credit card.

Redemption Process

• myCash: Redeemable via the "MyCash" tab on the MakeMyTrip app or website.

• Vouchers: Redeemable during eligible MakeMyTrip transactions.

EMI Conversion

• Transactions of ₹1,500+ can be converted into EMIs within 30 days.

• Tenures: 3, 6, 9, 12, 18, and 24 months.

• Exclusions: Cash, jewelry, and fuel transactions.

Terms for Existing Customers

• Existing MakeMyTrip ICICI Bank Signature/Platinum Credit Cards will be canceled within 45 days of onboarding the new Mastercard and RuPay variants.

Verdict: With its unmatched travel rewards, flexibility, and premium perks, the MakeMyTrip ICICI Bank Credit Card is a must-have for avid travelers. Whether you're booking flights, hotels, or enjoying airport lounge access, this card ensures your journeys are rewarding and seamless.