ICICI MakeMyTrip Signature Credit Card Review 2026
A genuinely strong travel co-brand that earns 4 myCash per ₹200 on MakeMyTrip hotels and 2 per ₹200 on flights, bundles MMTBLACK Platinum tier membership, and includes complimentary lounge access — for a one-time ₹2,500 + GST joining fee and no annual fee. Among the best entry-tier travel cards in India today.
Fees and charges at a glance
| Charge | Amount |
|---|---|
| Joining fee | ₹2,500 + GST (one-time) |
| Annual fee (2nd year onwards) | Nil |
| Add-on card fee | Free |
| Finance charges | 3.75% per month (45% p.a.) |
| Cash advance fee | 2.5% of amount or ₹500 (whichever is higher) |
| Late payment fee | Up to ₹1,300 based on outstanding balance |
| Foreign currency markup | 3.5% + GST |
| Fuel surcharge waiver | 1% on ₹400–₹4,000 transactions at HPCL fuel pumps (ICICI Bank POS) |
| Railway surcharge waiver | Was historically offered; not headlined on the current ICICI MakeMyTrip Signature product page — verify on MITC before relying on it |
Reward structure — how MMT Cash earning works
Rewards are credited as MyCash directly to your MakeMyTrip wallet, redeemable for up to 10% of booking value on future MMT flights, hotels, holidays and bus tickets. 1 MyCash = ₹1 at redemption.
| Spend Category | MyCash earn rate | Effective Value Back |
|---|---|---|
| MakeMyTrip hotel bookings | 4 myCash per ₹200 | 2.0% |
| MakeMyTrip flight bookings | 2 myCash per ₹200 | 1.0% |
| All other domestic spend | 1.25 myCash per ₹200 | ~0.625% |
| Excluded categories (rent, fuel non-HPCL, wallet, EMI conversion, government, insurance) | 0 myCash | 0% |
Milestone benefits
- 1,100 myCash on ₹2.5 lakh annual spend
- 4,000 myCash on ₹5 lakh annual spend
MMTBLACK Platinum membership
The card enrols you in MakeMyTrip’s MMTBLACK Platinum tier. The tier’s benefits — member prices and offers on hotels and flights — change from time to time, so check the current list on MakeMyTrip before giving them a rupee value.
Welcome benefits
- MakeMyTrip holiday voucher worth up to ₹2,500 as joining benefit
- MMTBLACK Platinum tier membership
Airport & railway lounge access
- International lounge: 1 complimentary visit per year via Priority Pass at participating international airports
- Railway lounge: 1 complimentary visit per quarter at participating Indian railway stations (check the IRCTC lounge list on the ICICI site)
- Domestic lounges: 2 complimentary visits per quarter, unlocked by spending ₹75,000+ in the previous calendar quarter
- International lounges: 1 complimentary visit per year (primary cardholder, via Priority Pass)
- Add-on cardholder: Not eligible — lounge benefits are for the primary cardholder only
Where this card falls short
Annual value calculator
Estimate your value from the ICICI MakeMyTrip Signature Card
Eligibility and documents
- Age: 21–60 years (primary applicant)
- Income: ₹40,000+ per month (salaried) / ₹6 lakh+ ITR (self-employed)
- KYC: PAN, Aadhaar, 3 months salary slip / 6-month bank statement, address proof
- Credit score: CIBIL 750+ strongly preferred
- Pre-approved offers: ICICI Bank customers with active savings / salary / home loan relationships often get waived joining fee offers
Compared with alternatives
| Card | Travel earn | Annual fee | Lounge access |
|---|---|---|---|
| ICICI MakeMyTrip Signature | 1–2% on MMTNil (₹2,500 joining) | 2 domestic/qtr (spend-linked) | |
| HDFC 6E Rewards IndiGo | 2.5% on IndiGo | ₹500 | None |
| Axis Vistara Platinum | 2 CV Points/₹200 | ₹1,500 | 1 complimentary Vistara ticket |
| HSBC Travel One | 3 miles/₹100 on travel | ₹4,999 | 8 dom + 6 intl |
| Axis Atlas | 5 EDGE Miles/₹100 on travel | ₹5,000 | 8 dom + 8 intl |
Within the entry-tier travel segment, the ICICI MakeMyTrip Signature is stronger than the HDFC 6E on hotel spend (2% vs nothing) and adds lounge access. The only genuine reason to pick the HDFC 6E over this card is if you’re an IndiGo loyalist with no MMT usage — in that case, the 6E’s 2.5% direct-to-IndiGo 6E Rewards is more flexible than 3% MyCash.
Bottom line — should you get it?
The ICICI MakeMyTrip Signature Credit Card is one of the strongest entry-tier travel co-brands in India today. Anyone who books two or more MMT hotel stays a year, or spends ₹40,000+ annually on MMT flights, will extract clear positive value from this card. The 2% myCash (4 per ₹200) on hotel bookings, combined with the MMTBLACK Platinum tier discounts that stack on top, produces effective savings of 15–20% on MMT hotels — a margin few cards with no annual fee match.
Skip this card if (a) you don’t book on MMT (any competing OTA — Cleartrip, EaseMyTrip, Goibibo, Agoda — would make the rewards useless), (b) you’re primarily looking for airline co-brand rewards (the HDFC 6E or SBI Air India cards target that better), or (c) you want a spend-based annual-fee waiver (HDFC Regalia, SBI Prime, or Axis ACE offer this; MMT Signature does not).
Verdict 8.2 / 10
A high-value travel card for the MMT ecosystem loyalist. For frequent leisure travellers who book hotels online, the first-year value can easily top ₹5,000–₹8,000. Make sure MMT remains your primary booking platform before committing.