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ICICI Bank MakeMyTrip Platinum Credit Card
An entry-level travel co-brand card pairing a low one-time joining fee (no recurring annual fee) with MakeMyTrip-focused myCash rewards, quarterly lounge access, and milestone travel vouchers — a natural fit for occasional travelers who already book through MakeMyTrip and want the annual-fee-free structure of a lifetime card without giving up lounge perks entirely.
Annual fee
₹0
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Travel: Accelerated rewards on Adani ecosystem travel spend (airports, city gas, electricity), flight vouchers on early spend
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter (min ₹75,000 quarterly spend), primary cardholder only
Benefits by category
- ✈️ Travel
1.5% reward rate · Quarterly domestic airport lounge access (min ₹75,000 quarterly spend) plus 4 complimentary railway lounge visits a year
- ⛽ Fuel
1% fuel surcharge waiver at HPCL pumps on ₹400-₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
Fees & charges
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹4,000 a year
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- MakeMyTrip holiday voucher worth up to ₹3,000 plus ₹500 myCash on joining-fee payment
- ₹1,000 myCash at ₹2.5 lakh annual card spend and again at ₹50,000 MakeMyTrip platform spend
- Quarterly domestic airport lounge access (min ₹75,000 quarterly spend) plus 4 complimentary railway lounge visits a year
- 1% fuel surcharge waiver at HPCL pumps on ₹400-₹4,000 transactions
Pros
- + No annual fee, ever — only a one-time joining fee
- + MakeMyTrip holiday voucher plus myCash welcome bonus on joining
- + Milestone myCash rewards on both overall spend and MakeMyTrip platform spend
- + Quarterly domestic lounge access plus railway lounge visits
- + Fuel surcharge waiver at HPCL pumps
Cons
- − Lounge access requires hitting a ₹75,000 quarterly spend threshold
- − Rewards are most valuable when redeemed within the MakeMyTrip ecosystem
- − Modest 0.5% base reward rate outside travel bookings
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