Entry travel co-brand credit card with zero annual renewal fee, myCash rewards, and railway lounge access.
Budget Travelers, Occasional MakeMyTrip Bookers & IRCTC Train Travelers
₹500
One-time upfrontFree
Lifetime Free — no renewal feeStandard Points
On eligible spends4 Domestic visits/year
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The MakeMyTrip ICICI Bank Platinum Credit Card is an accessible co-branded travel card designed for budget-conscious leisure travelers who frequently book flights and hotels through MakeMyTrip. It features an affordable structure: a one-time joining fee of ₹500 + GST, followed by Lifetime Free annual renewal with zero maintenance fees. Upon paying the joining fee, cardholders receive ₹500 in myCash plus a MakeMyTrip holiday voucher worth ₹3,000, completely offsetting the initial fee. The card earns myCash rewards (where 1 myCash = ₹1.00 directly usable on MakeMyTrip): up to 2–3% on MakeMyTrip hotel bookings, 1.5% on domestic flights, 0.50% on general domestic retail, and 0.625% on international retail. It also includes 1 complimentary domestic railway lounge visit per calendar quarter at participating IRCTC Executive Lounges. However, the Platinum variant lacks airport lounge access (which is reserved for the Signature variant), myCash cannot be redeemed for cash or rail bookings, and international transactions carry a standard 3.50% forex markup. Who should get it: Occasional travelers who book flights and hotels on MakeMyTrip and want a low-cost, zero-maintenance travel card with railway lounge access. Who should avoid it: Frequent flyers needing airport lounge access, low forex markups, or flexible airline mile transfers.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| MakeMyTrip Hotel Bookings | 3 My Cash per ₹200 spent on MMT Hotel bookings (1 My Cash = ₹1.00) | No Cap | Standard terms apply |
| MakeMyTrip Flight Bookings | 1.5 My Cash per ₹200 spent on MMT Flight bookings | No Cap | Standard terms apply |
| Domestic Retail Spends | 1 My Cash per ₹200 spent domestically | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| MakeMyTrip Hotel Bookings | ₹6,000 | 3 My Cash per ₹200 spent on MMT Hotel bookings (1 My Cash = ₹1.00) | — | None | Calculating... | Under cap |
| MakeMyTrip Flight Bookings | ₹6,000 | 1.5 My Cash per ₹200 spent on MMT Flight bookings | — | None | Calculating... | Under cap |
| Domestic Retail Spends | ₹18,000 | 1 My Cash per ₹200 spent domestically | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: Joining fee ₹500 + GST; annual renewal fee ₹0 (Lifetime Free renewal). No spend requirements for renewal fee waiver. Welcome Benefits: ₹500 myCash + MakeMyTrip Holiday Voucher worth ₹3,000 credited to the primary cardholder's MakeMyTrip account within 45 business days of paying the joining fee. Rewards Structure: 2 myCash per ₹200 spent on MakeMyTrip hotel bookings (1.00% to 3.00% return); 1.50 myCash per ₹200 on MakeMyTrip domestic flight bookings (0.75% return); 1 myCash per ₹200 on domestic retail transactions (0.50% return); 1.25 myCash per ₹200 on international retail transactions (0.625% return). Point Valuation & Redemption: 1 myCash = ₹1.00 directly redeemable against flight, hotel, and holiday bookings on the MakeMyTrip app or website. No minimum redemption threshold for myCash. Joining myCash valid for 1.5 years; regular spend myCash valid for 1 year from credit date. Lounge Access: 1 complimentary domestic railway lounge access per calendar quarter at participating IRCTC Executive Lounges across India. No airport lounge access on the Platinum variant. Fuel & Forex: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Foreign currency markup fee of 3.50% + GST.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding MakeMyTrip ICICI Bank Platinum Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official ICICI Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
MakeMyTrip ICICI drops its 0.99% forex markup to zero from 10 November 2026. But international transactions outside MakeMyTrip will stop earning 1% myCash, and new myCash gets a 24-month expiry.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge access: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
Best for: First-Time ICICI Borrowers, Moviegoers & Domestic Railway Travelers
Rewards: 0.25% Back On Utility & Insurance Spends (1 RP/₹100) And 0.50% Back On All Other Eligible Spends (2 RP/₹100)
Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 2 Oct 2026
Best for: Frequent domestic holidaymakers, hotel bookers, and flight travelers who regularly use MakeMyTrip for personal or family travel.
Rewards: 6 myCash/₹200 on Hotel Spends, 3 myCash/₹200 on Flight, Bus, and Cab Bookings, and 1 myCash/₹200 on Other Spends
Lounge access: 1 Domestic visits/quarter + 1 International visits/year · ₹75k quarterly spend required (Domestic)
Last verified 3 Oct 2026
