ICICI MakeMyTrip Credit Card Review (2026)
The card for MakeMyTrip loyalists. 5% back on MMT bookings and a free voucher at 2L spend. Best paired with an everyday spend card.
Last updated: 2026-03-31· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹500 |
| Joining Fee | ₹500 |
| Fee Waiver | Spend 2L in a year |
| Income Required | ₹4L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: MakeMyTrip MyBiz Credits
Milestone Benefits
MMT voucher worth 1,000 on spending 2L
Lounge Access
Our Review
The MakeMyTrip card makes sense only if you consistently book through MMT. The 5% back on MMT bookings (flights, hotels, packages) is straightforward and the credits are immediately usable on the platform. But here's the honest comparison: HDFC Regalia or Diners Black with SmartBuy gives you 10x on travel bookings — nearly double the value. The MakeMyTrip card's advantage is simplicity (no portal hopping, credits auto-applied) and a lower income requirement. If you book 2-3 trips a year on MMT, the card pays for itself. But as your income grows, graduate to an HDFC card with SmartBuy access for significantly better travel rewards.
Pros & Cons
Pros
- + 5% back on MakeMyTrip bookings — flights, hotels, holiday packages
- + MyBiz Credits directly usable on MMT — no transfer hassle
- + 1,000 MMT voucher at 2L annual spend covers the fee
- + Good for people who book travel through MMT regularly
Cons
- - 1.5% base rate is below average for non-MMT spends
- - Credits locked into MakeMyTrip ecosystem
- - Only 2 domestic lounge visits
- - 5% on MMT isn't as good as SmartBuy 10x on HDFC premium cards
Best For
Frequently Asked Questions
Is the ICICI MakeMyTrip Credit Card worth it in 2026?
It depends on your spending. The ICICI MakeMyTrip Credit Card costs ₹500/year (waiver: Spend 2L in a year). With an effective base return of 0.4%, you'd need to spend approximately ₹1.1L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the ICICI MakeMyTrip Credit Card annual fee?
The ICICI MakeMyTrip Credit Card has an annual fee of ₹500. Joining fee is also ₹500. Fee waiver: Spend 2L in a year.
What is the minimum salary required for ICICI MakeMyTrip Credit Card?
The minimum annual income required for the ICICI MakeMyTrip Credit Card is ₹4L. However, if you have an existing banking relationship with ICICI Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on ICICI Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.