MakeMyTrip ICICI Bank Platinum credit card is one of the basic entry-level credit cards from ICICI Bank. It is issued with a joining fee of Rs 500, but there is no annual fee from the second year onwards. The joining fee is compensated with Rs 500 MakeMyTrip cash making the MakeMyTrip ICICI Bank Platinum credit card as good as LTF. The rewards earned for the transactions are transferred to your MakeMyTrip wallet and can be used for travel bookings.
Fees
The MakeMyTrip Signature credit card comes with only a joining fee. No annual fee from second year onwards like what IndusInd Bank does for its credit cards. You can use the MMT My Cash for making flight bookings on MakeMyTrip.
| Joining Fee | Rs 500+GST ~Rs 590 |
| Welcome Benefit | Rs 500 MMT My Cash, Rs 3000 MMT holiday voucher |
| Annual Fee | Zero |
| Renewal Benefit | None |
Rewards
| Spends Category | My Cash / Rs 200 |
|---|---|
| MakeMyTrip Flight Bookings | Rs 2 ~1% |
| MakeMyTrip Hotel/Holiday Bookings | Rs 3 ~1.5% |
| Other Domestic Spends | Rs 1 ~0.5% |
| Other International Spends | Rs 1.25 ~0.6% |
| Fuel Spends | No Rewards |
Earned rewards are transferred to MakeMyTrip My Wallet as My Cash. My Cash can be used to make travel bookings or to purchase partner vouchers through MakeMyTrip. However, you cannot use My Cash for rail bookings.
MakeMyTrip ICICI Bank Platinum Credit Card Milestone Rewards
- Spend Rs 50,000 on MakeMyTrip flights/hotels/holidays bookings in a membership year: Rs 1000 My Cash ~2% Value
- Spend Rs 2.5 Lakh in membership year: Rs 1000 My Cash ~0.4%
Rs 1000 My Cash on Rs 2.5 Lakh spends must be one of the smallest milestone benefits we have seen till now.
Complimentary Airport Lounge Access
- Domestic Airport Lounge Access: 1 complimentary visit/quarter for airport lounges in India listed here. This is available only if spends are above Rs 35,000 in previous calendar quarter.
- International Airport Lounge Access: Not Available
Complimentary Railway Lounge Access
- 1 complimentary visit/quarter for railway lounges
You can check the eligible IRCTC railway lounges for MakeMyTrip ICICI Bank Platinum credit card listed at this link. This facility is only available to primary cardholders.
Our View
The effective reward rate for this card would be around 1% to 2%. This 1% to 2% is not statement credit but MyCash which makes it less lucrative than cashback credit cards. Considering that, we would not recommend this card for its rewards.
But, this card does not have an annual fee and gives you complimentary airport and railway lounge access. Yes, there is a minimum spend criteria for airport lounges but it may be possible to achieve that. You just need to take advantage of ICICI Bank offers on e-commerce websites to get 10% instant discount for your spends.
Frequently Asked Questions
No, this card does not have any annual fee from the second year onwards.
Yes, we get 1 complimentary visit per quarter if we have spent Rs 35,000 with the card in the previous calendar quarter.
Yes, we get 1 complimentary visit per quarter to IRCTC railway lounges.
No, there is no minimum spend condition to get complimentary railway lounge access.
You can check this list from ICICI Bank to see list of eligible airport lounges.
You can check this list from ICICI Bank to see list of eligible railway lounges.
No, MMT My Cash cannot be used for railway bookings. However, you can use it for flight bookings at 1:1 ratio.
Yes, this card is eligible for the e-commerce discount offers from ICICI Bank.
MakeMyTrip ICICI Bank Platinum Credit Card
