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MakeMyTrip ICICI Bank Credit Card VS MakeMyTrip ICICI Platinum Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI Platinum Credit Card
MakeMyTrip ICICI Platinum Credit Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹500 + GST
Renewal Fee₹999 + GST
Renewal FeeFree (1st year)
Spend Based WaiverAnnual fee waived on spends of ₹3 Lakh in a card anniversary year.
Spend Based WaiverAnnual fee is Nil. Domestic airport lounge access requires a minimum spend of ₹75,000 per quarter.
Foreign Transaction Fees0.99%
Foreign Transaction FeesA 3.5% foreign currency markup is charged on international transactions.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% interest per month on ATM withdrawals and if only minimum due is paid.

Rewards & Benefits

Welcome Bonus₹1,000 MakeMyTrip voucher & MMTBLACK Gold Membership
Welcome BonusGet a MakeMyTrip holiday voucher (up to ₹3000) and ₹500 myCash upon card activation.
Rewards Rate12 myCash on ₹200 on MMT Hotels; 6 myCash on ₹200 on MMT Flights/Cabs/Buses/Holidays; 2 myCash on ₹200 other spends.
Rewards RateEarn 3x myCash on MMT hotels, 2x on MMT flights, 1x on ₹200 domestic spend & up to 4% iShop cashback.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNot Applicable

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic airport lounge visits/year (2/quarter) for primary cardholder.
Domestic Lounge AccessEnjoy 4 airport/railway lounge access annually. Airport access requires ₹75,000 spend/quarter.
International Lounge Access1 complimentary international airport lounge visit/year for primary cardholder.
International Lounge AccessNot Applicable
Travel BenefitsHigh rewards on travel spends, particularly when made through MakeMyTrip.
Travel BenefitsDesigned for travelers, offers significant benefits on MakeMyTrip bookings, lounge access & holiday vouchers.
Movie BenefitsGet 25% off on your second movie ticket via BookMyShow, up to ₹150, once every month.
Movie BenefitsReceive 25% off on movie tickets, up to ₹100, on minimum purchase of two tickets.
Dining Benefits
Dining BenefitsEnjoy dining discounts through the exclusive Culinary Treats Programme.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹4000 at HPCL pumps using ICICI POS.

Security & Other

Insurance Benefits
Insurance BenefitsProtected against fraudulent transactions with Counterfeit Card Liability & Account Takeover Cover.
Cash Advance Charges2.5%
Cash Advance ChargesATM withdrawals incur 3.75% interest per month.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

MakeMyTrip ICICI Bank Credit Card

MakeMyTrip ICICI Platinum Credit Card

Who is it for?

The MakeMyTrip ICICI Bank Credit Card is a travel-centric co-branded card ideal for frequent MakeMyTrip users. It offers significant value with a low annual fee, generous welcome benefits like a ₹1,000 voucher and MMTBLACK Gold Membership. Unique for providing dual network cards (RuPay for UPI and Mastercard), it also boasts a remarkably low 0.99% foreign currency markup and complimentary lounge access, making it a strong contender for affordable travel and international spending.

Who is it for?

The MakeMyTrip ICICI Bank Platinum Credit Card is tailored for travel enthusiasts, offering exclusive MakeMyTrip benefits, myCash rewards, and holiday vouchers. It provides accelerated rewards on hotel and flight bookings, along with complimentary lounge access, dining discounts, and movie offers. This card aims to enhance your travel and lifestyle experiences with valuable perks and security features.

Pros

Key benefits and features.

Affordable annual fee of ₹999 + GST with a convenient spend-based waiver option.

Generous welcome benefits including a ₹1,000 MakeMyTrip voucher and MMTBLACK Gold Membership.

High reward rates on MakeMyTrip bookings, with myCash valued at ₹1 per point.

Extremely low foreign currency markup of 0.99%, beneficial for international transactions.

Dual network cards (RuPay and Mastercard) provided, with RuPay enabling UPI linkage.

Pros

Key benefits and features.

Highly beneficial for frequent travelers with exclusive MakeMyTrip offers and rewards.

Offers complimentary lounge access at both domestic airports and railway stations.

Includes valuable welcome benefits like holiday vouchers and myCash for new cardholders.

Enjoy significant savings on movie tickets and dining through partner programs.

Enhanced security with microchip and PIN, plus fraud protection features.

Cons

Key drawbacks and limitations.

Benefits are heavily concentrated on MakeMyTrip, limiting value for other travel bookings.

International lounge access is quite restricted, offering only one visit per year.

Complimentary lounge access is only for the primary cardholder, excluding add-on users.

Cons

Key drawbacks and limitations.

A one-time joining fee of ₹500 + GST applies upon card activation.

High foreign currency markup of 3.5% for international transactions.

Domestic airport lounge access requires a substantial minimum spend of ₹75,000 per quarter.

High interest rate of 3.75% per month on ATM withdrawals and outstanding balances.

Lounge access benefits are primarily restricted to the main cardholder.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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