MakeMyTrip ICICI Signature Credit Card Review: 2026 Update
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
Is it good? The MakeMyTrip ICICI Signature Credit Card is a solid choice for frequent travelers who often book through MakeMyTrip.
Reward rate? It offers a decent reward rate, especially for hotel bookings, but is average for general spending.
Best for? This card is best suited for heavy users of MakeMyTrip looking for travel benefits and rewards.
Card at a Glance
| Feature | Details |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Annual Fee | Nil after joining fee |
| Reward Rate | 1% on MMT flights, 2% on MMT hotels, 0.6% on domestic spends outside MMT, 0.75% on international spends outside MMT |
| Welcome Benefit | ₹1,500 My Cash + ₹2,500 MakeMyTrip Holiday Voucher + Complimentary MMTBLACK Exclusive membership |
| Lounge Access | 1 international lounge visit and 1 spa session per year, 1 railway lounge access per quarter, 2 domestic lounge visits per quarter |
| Milestone Benefits | Spend ₹2.5 lacs for ₹1,100 My Cash; Spend ₹5 lacs for ₹4,000 My Cash + MMTBLACK PRO status |
Fees & Welcome Benefits
The MakeMyTrip ICICI Signature Credit Card comes with a joining fee of ₹2,500 + GST. However, there is no annual fee after the first year, making it a cost-effective option for frequent travelers.
Upon signing up, cardholders receive a welcome benefit that includes ₹1,500 My Cash and a ₹2,500 MakeMyTrip Holiday Voucher. Additionally, you get a complimentary MMTBLACK Exclusive membership, which enhances your travel experience.
Reward Point System Explained
The reward point system is structured to benefit users who frequently book through MakeMyTrip. Here’s a detailed breakdown:
| Category | Reward Rate | Limit |
|---|---|---|
| MMT Flight Bookings | 1% | No Limit |
| MMT Hotel/Holiday Bookings | 2% | No Limit |
| Domestic Spends Outside MMT | 0.6% | No Limit |
| International Spends Outside MMT | 0.75% | No Limit |
While the rewards for MMT bookings are attractive, the rates for general spending are relatively low compared to other cards. This makes it essential for users to maximize their bookings through MakeMyTrip to truly benefit from this card.
Travel & Lounge Benefits
Travel enthusiasts will appreciate the lounge access benefits that come with the MakeMyTrip ICICI Signature Credit Card. Cardholders enjoy:
- 1 international lounge visit and 1 spa session per year through the Dreamfolks DragonPass.
- 1 railway lounge access per quarter, which is perfect for those who travel by train.
- 2 domestic lounge visits per quarter, providing comfort during layovers.
These benefits enhance the travel experience, especially for frequent flyers and train travelers.
Milestone Benefits & Fee Waivers
The card offers milestone benefits that reward users for their spending:
- Spend ₹2.5 lacs in a year to earn ₹1,100 My Cash.
- Spend ₹5 lacs to earn an additional ₹4,000 My Cash and gain MMTBLACK PRO status.
- Priority support on MakeMyTrip for enhanced customer service.
These milestones encourage users to spend more, making it a great option for those who travel frequently.
Pros & Cons
| Pros | Cons |
|---|---|
| No annual fee after joining fee | Low reward rate compared to other Visa Signature cards |
| Unique experiences like railway lounge access and airport spa sessions | Long application and delivery process |
| Good welcome benefits including hotel voucher and My Cash | Limited validity on My Cash earned via MMTBLACK (3 months) |
| Complimentary Dreamfolks DragonPass membership | Points expire |
| Easy redemption within MMT app/website | Rewards locked to MakeMyTrip ecosystem |
| Welcome bonus often includes MMT vouchers | Average earning rate |
| Decent for heavy MMT users | High forex markup (3.5%) |
| Limited lounge access | |
| Poor customer service for points-related queries | |
| MMT not always the cheapest platform |
Who Should Get This Card?
The MakeMyTrip ICICI Signature Credit Card is ideal for:
- Frequent travelers who book through MakeMyTrip.
- Individuals looking for travel benefits and rewards.
- Those who can meet the spending milestones to maximize benefits.
If you often use platforms like ICICI Accelero Puneet Review or ICICI Parakram Select Review, you might find this card a good addition to your wallet.
Final Conclusion
In our experience, the MakeMyTrip ICICI Signature Credit Card is a decent option for those who frequently travel and book through MakeMyTrip. While it has its drawbacks, such as a low reward rate for general spending and limited lounge access, the benefits it offers can be quite valuable for dedicated users. If you’re looking for a card that provides travel perks and rewards specifically tied to MakeMyTrip, this card is worth considering. However, if you’re not a regular user of MakeMyTrip, you might want to explore other options like ICICI Mine Review or even cards from other banks that offer more flexible rewards.
For more details, you can visit the official ICICI Bank page or check out CardExpert for comparisons.