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Features of ICICI Bank MakeMyTrip Signature Credit Card

  • Welcome Benefits: Get 1,500 My Cash (worth ₹1,500) and a ₹2,500 MakeMyTrip holiday voucher upon paying the joining fee. Complimentary MMTBLACK Platinum membership for the first year.
  • Travel Rewards: Earn 4 My Cash per ₹200 spent on hotel/holiday bookings via MakeMyTrip (2% reward rate). 2 My Cash per ₹200 on flight bookings (1% reward rate).
  • Lounge Access: 2 complimentary domestic airport lounge visits per quarter (on spending ₹75,000 in previous quarter), 1 international lounge visit annually, and 1 railway lounge visit per quarter.
  • Milestone Benefits: Earn 1,100 My Cash on ₹2.5 lakh annual spend and 4,000 My Cash on ₹5 lakh spend. Effectively 1.1% additional reward rate.
ICICI MakeMyTrip Signature Credit Card
    • International Roaming: Complimentary 10-day Airtel international roaming pack (worth ₹3,999) when booking international flights/hotels via MakeMyTrip.
    • Dining Benefits: Exclusive discounts at 2,500+ restaurants through ICICI Bank's Culinary Treats Programme (minimum 15% off).
    • Entertainment: 25% discount (up to ₹150) on movie tickets via BookMyShow/INOX (twice monthly per platform).
    • Fuel Surcharge Waiver: 1% waiver on transactions up to ₹4,000 at HPCL pumps using ICICI Merchant Services.
    • Annual Fee: One-time joining fee of ₹2,500 + GST. No annual fee from second year onward (effectively lifetime free).
    • Digital Features: Manage card via iMobile Pay app - track spends, redeem rewards, activate international transactions.
    • Security: 3D Secure for online transactions, instant SMS alerts, and 24/7 customer support for lost/stolen cards.
    • Add-On Cards: Share benefits with family members for one-time fee of ₹250 per add-on card.
ICICI MakeMyTrip Signature Benefits

Benefits of ICICI Bank MakeMyTrip Signature Credit Card

  • Travel Savings: The card's primary appeal lies in its travel-related benefits, making it ideal for frequent travelers who book through MakeMyTrip. Earn up to 2% back as My Cash on hotel/holiday bookings and 1% on flights.
  • Lounge Privileges: Comprehensive lounge access covering airports (domestic/international) and railway stations - rare among credit cards. The railway lounge benefit is particularly valuable for India's extensive rail network.
  • Cost Effectiveness: No annual fee from second year makes it lifetime free after initial joining fee. Welcome benefits worth ₹4,000 effectively offset the ₹2,500 + GST joining cost.
      • My Cash Rewards: Earn 4 My Cash (₹4) per ₹200 spent on MakeMyTrip hotel/holiday bookings (2% reward rate). 2 My Cash (₹2) per ₹200 on flight bookings (1% rate).
      • Milestone Bonuses: Earn 1,100 My Cash on ₹2.5 lakh annual spend and 4,000 My Cash on ₹5 lakh spend - effectively adding 1.1% to reward rate.
      • Welcome Benefits: 1,500 My Cash (₹1,500) + ₹2,500 holiday voucher upon paying joining fee. Complimentary MMTBLACK Platinum membership (1 year).
      • Domestic Lounge Access: 2 complimentary visits per quarter to domestic airport lounges when you spend ₹75,000 in previous quarter.
      • International Lounge: 1 free international lounge visit annually via DreamFolks membership.
      • Railway Lounge Access: 1 complimentary visit per quarter at participating railway lounges - unique feature among credit cards.
      • Airtel Roaming Pack: Complimentary 10-day international roaming pack (worth ₹3,999) when booking international travel via MakeMyTrip.
      • Movie Discounts: 25% off (max ₹150) on 2+ tickets via BookMyShow/INOX, twice monthly per platform.
      • Dining Programme: Minimum 15% discount at 2,500+ restaurants through Culinary Treats Programme.
      • Fuel Surcharge Waiver: 1% waiver on fuel transactions up to ₹4,000 monthly at HPCL pumps.
      • No Annual Fee: Only one-time joining fee of ₹2,500 + GST. No annual fee from second year onward.
      • Add-On Cards: Share benefits with family for one-time fee of ₹250 per add-on card.
      • Digital Management: Track spends, redeem rewards, and manage card via ICICI iMobile Pay app.
      • Security Features: 3D Secure for online transactions, instant SMS alerts, and 24/7 customer support.
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How to Apply for ICICI Bank MakeMyTrip Signature Credit Card

  • 1. Online Application
    • Visit www.icicibank.com > "Credit Cards" > "MakeMyTrip Signature Credit Card" > "Apply Now"
    • Fill in personal, employment, and income details
    • Upload scanned documents (PDF/JPEG, max 5 MB)
    • Submit and track status using application reference number
  • 2. Offline Application
    • Visit an ICICI Bank branch and request the application form
    • Submit self-attested document copies with originals for verification
    • Processing time: 7-21 days
  • 3. Through Customer Care
    • Call ICICI Bank customer care at 1800 1080
    • Express interest in the MakeMyTrip Signature Credit Card
    • Follow instructions to complete application online or offline
  • 4. Verification and Approval
    • ICICI Bank will verify documents and assess creditworthiness
    • Pre-approved customers may get instant approval
    • New applicants typically approved in 7-14 working days

Eligibility Criteria for ICICI Bank MakeMyTrip Signature Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 21–65 years
    • Supplementary Cardholder: Minimum 18 years
  • 2. Income Requirements
    • Salaried: Minimum monthly income of ₹20,000
    • Self-Employed: Minimum annual income of ₹3 lakh as per ITR
  • 3. Credit History
    • CIBIL Score: Minimum 700 or higher preferred
    • No major payment defaults in last 12 months
  • 4. Employment
    • Salaried: Minimum 6 months–1 year with current employer
    • Self-Employed: Minimum 2 years in current business/profession
  • 5. Residency
    • Must be Indian resident with valid address proof
  • 6. Existing Relationship with ICICI Bank
    • Preferred for existing ICICI savings/current account holders or loan customers
  • 7. Document Verification
    • Valid KYC documents like PAN, Aadhaar, address proof, and income proof must be submitted
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Documents Required for ICICI Bank MakeMyTrip Signature Credit Card

  • 1. Identity Proof (Any One)
    The following government-issued documents are accepted to verify the applicant's identity:
    PAN Card: Mandatory for all credit card applications in India.
    Aadhaar Card: Must be linked to current mobile number for OTP verification.
    Passport: Valid for at least 6 months from application date.
    Voter ID: Issued by Election Commission of India.
    Driving License: Valid license issued by RTO.
    Specifications: Document must be valid and not expired. Name must match application exactly.
  • 2. Address Proof (Any One)
    Documents must show current residential address:
    Aadhaar Card: If address matches delivery address.
    Passport: Must include current address page.
    Utility Bill: Electricity, gas, or landline bill (not older than 3 months).
    Bank Statement: From any bank showing address (last 3 months).
    Rental Agreement: Registered agreement with utility bill if address differs.
    Specifications: Address must match application. For NRIs, Indian address proof required.
  • 3. Income Proof
    Requirements vary by employment type:
    For Salaried Individuals:
    Latest 3 months' salary slips showing monthly income ≥ ₹20,000
    Form 16 for previous financial year
    Last 3 months' bank statement showing salary credits
    For Self-Employed Individuals:
    ITR for last 2 years showing annual income ≥ ₹3 lakhs
    Last 6 months' bank statements
    Business proof (GST registration, shop license, etc.)
    Specifications: Income documents must match declared income. ITR must be acknowledged.
  • 4. Photograph
    Requirement: Recent passport-size photograph (3.5 cm x 4.5 cm).
    Specifications: White background, clear facial visibility, taken within last 6 months.

Factors Considered for ICICI Bank MakeMyTrip Signature Credit Card Approval

  • 1. Income Level
    Minimum ₹20,000 monthly income for salaried individuals or ₹3 lakh annual income for self-employed.
    Description: Primary factor determining repayment capacity.
    Impact: Higher income increases approval chances and credit limit.
  • 2. Credit Score and History
    CIBIL score of 700+ preferred with no major defaults.
    Description: Indicates creditworthiness and repayment behavior.
    Impact: Low score or defaults may lead to rejection.
  • 3. Existing ICICI Bank Relationship
    Existing customers get preference in approval.
    Description: Demonstrates banking history with ICICI.
    Impact: Strong relationship can offset marginal credit issues.
  • 4. Employment Stability
    Salaried: Minimum 6 months–1 year with current employer.
    Self-Employed: Business operational for 2+ years.
    Description: Ensures income stability.
    Impact: Longer tenure improves approval odds.
  • 5. Debt-to-Income Ratio
    Total monthly obligations should not exceed 50% of income.
    Description: Measures ability to handle additional credit.
    Impact: High ratio may lead to rejection or lower limit.
  • 6. Application Accuracy
    Complete and consistent information.
    Description: Discrepancies raise red flags.
    Impact: Incomplete applications face delays or rejection.
  • 7. Residential Stability
    Longer residence at the current address strengthens the application.
    Description: Indicates stability and reliability.
    Impact: Frequent address changes may raise concerns.
  • 8. Type of Employment
    Preference for salaried individuals with reputed organizations.
    Description: Salaried applicants in government or MNC jobs are viewed as low-risk.

Frequently Asked Questions (FAQs)

1. What are the benefits of the ICICI Bank MakeMyTrip Signature Credit Card?
Travel Benefits:
  • Flat 6% discount on flights and hotels (domestic & international) via MakeMyTrip.
  • ₹1,500 off on international flight bookings (minimum transaction ₹50,000).
  • 1 complimentary domestic hotel night on spending ₹1.5 lakh within 90 days.
Lifestyle Benefits:
  • Complimentary 6-month MMT Black membership (on ₹50,000 spend in 90 days).
  • Exclusive dining, shopping, and entertainment offers.
Other Perks:
  • Fuel surcharge waiver.
  • Airport & railway lounge access.
  • Reward points on all card spends.
2. What is the joining/annual fee for this card?
  • Joining Fee: ₹1,499 + GST
  • Annual Fee: ₹1,499 + GST (waived on annual spends above ₹2 lakh)
3. How can I apply for this credit card?
You can apply online through:
  • MakeMyTrip website or app
  • ICICI Bank official website
Existing ICICI Bank customers may receive instant approval based on eligibility.
4. How do I get the welcome benefit?
  • Spend ₹50,000 in 90 days to get a 6-month complimentary MMT Black membership.
  • Spend ₹1.5 lakh in 90 days to receive a 1-night complimentary domestic hotel stay voucher.
5. Does this card offer airport lounge access?
Yes, the card offers 4 complimentary lounge accesses per year, which can be availed at both domestic and international airports.
6. What are the reward points and redemption options?
  • 4 Reward Points = ₹1 for MakeMyTrip transactions
  • 2 Reward Points = ₹1 for all other eligible spends
  • Points can be redeemed for flights, hotels, or cashback via the MMT platform.
7. Is there a fuel surcharge waiver?
Yes, the card provides a 1% fuel surcharge waiver on transactions of ₹400 and above, up to ₹250 per month.
8. What is the interest rate & grace period?
  • Interest Rate: Approx. 3.4% per month (~42% annually)
  • Grace Period: Up to 48 days, applicable if full payment is made by the due date
9. How can I check my credit card statement & rewards?
  • Log in to ICICI Bank Internet Banking or Mobile App
  • Use your MakeMyTrip account linked with the credit card for My Cash and reward tracking

List of ICICI Bank MakeMyTrip Signature Credit Card Karnataka Branches

  • Karnataka (Bangalore - Hessarghatta Cross, Tumkur Road)
  • Karnataka (Bangalore - Ramamurthy Nagar)
  • Karnataka (Bangalore - RMV Extension 2nd Stage)
  • Karnataka (Bangalore - JP Nagar 8th Phase)
  • Karnataka (Bangalore - JP Nagar 4th Phase)
  • Karnataka (Bangalore - Arakere, Bannerghatta Road)
  • Karnataka (Bangalore - Billekalli, Bannerghatta Road)
  • Karnataka (Bangalore - Hoskote Road)
  • Karnataka (Bangalore - Battarhalli Village, Old Madras Road)
  • Karnataka (Bangalore - ITPL, Whitefield Road)
  • Karnataka (Bangalore - Mahadevapura)
  • Karnataka (Bangalore - Ramamurthy Nagar Main Road)
  • Karnataka (Bangalore - Prestige Shantiniketan, Whitefield Main Road)
  • Karnataka (Bangalore - Mahadevapura K R Puram)
  • Karnataka (Bangalore - Yemlur, Off. HAL Airport Road)
  • Karnataka (Bangalore - Embassy Tech Village, ORR Kadubesanahalli)
  • Karnataka (Bangalore - Devarabeesnagnahalli, Marathahalli Outer Ring Road)
  • Karnataka (Bangalore - Marathahalli Outer Ring Road)
  • Karnataka (Bangalore - AECS Layout, Kundalahalli)
  • Karnataka (Bangalore - Thubrahalli, Varthur Main Road)