Eligo is India's independent civic information platform for government schemes — not affiliated with any government body.

Eligo
English
Englishenहिन्दीhiதமிழ்taతెలుగుteमराठीmrবাংলাbn
INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official icicibank.com (ICICI Bank Ltd.) Most Important Terms and Conditions (MITC).
🏛️ICICI Bank Ltd.Network: Visa Signature / MastercardTravel & Aviation CardsLast Verified: 2026-09-28

ICICI MakeMyTrip Signature Credit Card

आईसीआईसीआई मेकमाईट्रिप सिग्नेचर क्रेडिट कार्ड

Travel co-brand offering ₹4,000 welcome travel vouchers, lifetime free renewal, 1:1 My Cash on bookings, and MMTBLACK Gold membership.

Annual Fee₹2,500 + GST Joining (Renewal: Lifetime Free ₹0)
Reward Rate4 My Cash per ₹200 spent on hotel bookings via MakeMyTrip. 2 My Cash per ₹200 on flight bookings on MakeMyTrip. 1.25 My Cash per ₹200 on all other retail transactions (1 My Cash = ₹1.00).
Airport Lounge1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter. 1 complimentary domestic railway lounge visit per quarter.
Forex Markup3.50% + GST on foreign currency transactions.
01

What Is This Card

ICICI MakeMyTrip Signature Credit Card is a travel booking co-branded card designed for domestic vacationers and holidaymakers. It offers ₹4,000 in welcome travel vouchers against a one-time ₹2,500 joining fee, zero annual renewal fee forever, MMTBLACK Gold status, and direct 1:1 My Cash earn rate.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,500 + GST Joining (Renewal: Lifetime Free ₹0)

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after paying one-time joining fee of ₹2,500).

🎁Welcome Benefit

₹1,500 MakeMyTrip My Cash + ₹2,500 MakeMyTrip Holiday voucher credited to linked MMT account, plus complimentary MMTBLACK Gold membership tier.

⚡Reward Points Structure

4 My Cash per ₹200 spent on hotel bookings via MakeMyTrip. 2 My Cash per ₹200 on flight bookings on MakeMyTrip. 1.25 My Cash per ₹200 on all other retail transactions (1 My Cash = ₹1.00).

Redemption Value: 1 My Cash = ₹1.00 directly usable without any restrictions to pay for domestic/international flights, hotels, holiday packages, and cab bookings on MakeMyTrip.

🛫Airport & Railway Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter. 1 complimentary domestic railway lounge visit per quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air accident insurance cover of ₹1 Crore. Emergency overseas medical treatment cover up to ₹10 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Earn up to 4,000 My Cash milestone bonus annually on achieving annual retail spends of ₹2.5 Lakhs and ₹5 Lakhs. MMTBLACK membership privileges.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

My Cash expires within 12 months. Domestic lounge access is limited to 1 visit per quarter and requires spending ₹35,000 in the preceding quarter. Forex markup is 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.
Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.
Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.
Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).
Reward Points ExpiryMy Cash earned via credit card spend remains valid for 1 year (12 months) from date of credit.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.
04

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years
Minimum Income₹50,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
CIBIL Score NoteA credit score of 730+ is standard.
SBI RelationshipNot mandatory. Open to all MakeMyTrip registered users.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the MakeMyTrip app or visit icicibank.com/makemytrip.
2Enter PAN and registered mobile number for instant eligibility check.
3Select MakeMyTrip Signature Credit Card.
4Enter employer details and monthly salary.
5Complete online Video KYC session with bank official.
6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any ICICI Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (icicibank.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card (statutory requirement)
2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID
3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet
4. Passport-size photograph.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on ICICI MakeMyTrip Signature Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI MakeMyTrip Signature Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI MakeMyTrip Signature Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 My Cash = ₹1.00 directly usable without any restrictions to pay for domestic/international flights, hotels, holiday packages, and cab bookings on MakeMyTrip. Please note: My Cash earned via credit card spend remains valid for 1 year (12 months) from date of credit.
What is the interest-free grace period on ICICI MakeMyTrip Signature Credit Card and how does it work?
The interest-free period on ICICI MakeMyTrip Signature Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
← Back to Complete Credit Cards DirectoryView All ICICI Bank Ltd. Products & Loans →