ICICI MakeMyTrip Platinum Credit Card Review
Get the ICICI MakeMyTrip Platinum card for 3% rewards and travel perks. Ideal for frequent travelers seeking low fees and lounge access.
CrayDit Score · 43% match
ICICI MakeMyTrip Platinum Latest Changes & Updates
Track the latest ICICI MakeMyTrip Platinum changes, including reward updates, lounge access rules, fees, eligibility and benefits that impact cardholders.
- 1★ New
MakeMyTrip reward points on bookings
- 2
Travel insurance coverage
At a Glance
Key takeaways for ICICI MakeMyTrip Platinum
ICICI MakeMyTrip Platinum is an Indian credit card from Icici. Based on the latest 2026 updates, it carries a ₹500 annual fee and a 3% estimated reward rate.
ICICI MakeMyTrip Platinum is for frequent makemytrip users and budget travelers who can use rewards, lounge access, and premium benefits enough to offset the fee.
The estimated reward rate is 3%, with cashback potential of 0.75%.
The annual fee is ₹500 and the joining fee is ₹500.
ICICI MakeMyTrip Platinum is good for travel-focused users who use lounge and trip benefits.
ICICI MakeMyTrip Platinum is worth it when annual rewards and used benefits exceed the fee after realistic redemption assumptions.
Card OverviewWhat is ICICI MakeMyTrip Platinum Credit Card?
The ICICI MakeMyTrip Platinum is a travel-centric credit card designed for users who frequently book trips. It offers a balanced mix of rewards and travel privileges with a very accessible fee structure. The card integrates seamlessly with the MakeMyTrip ecosystem to enhance travel experiences. With a low entry barrier, it provides essential perks like lounge access. It is an ideal choice for those seeking a dedicated travel companion card.
Reward Point AnalysisRewards, redemption value, and fee recovery
The card features a strong reward rate of 3%, allowing users to accumulate points quickly on their spending. Additionally, it provides a cashback rate of 0.75%. This dual-earning structure ensures that cardholders receive value back on their purchases, specifically tailored to benefit those who utilize travel services.
Reward Calculator
Estimate annual card value
Effective rate
2.96%
Annual Spend
₹12,00,000
Annual Rewards
₹36,000
Net Value
₹35,500
This estimate uses the headline reward rate and subtracts the annual fee. Actual value can change with excluded categories, reward caps, milestone benefits, taxes, and redemption partner selection.
Benefits BreakdownTravel, lifestyle, lounge, and international benefits
Cardholders enjoy 2 complimentary domestic lounge visits to enhance their airport experience. The card includes a fuel surcharge waiver to reduce costs during road travel. Users benefit from specific travel perks tied to the MakeMyTrip platform. These benefits are available to those meeting the 4 Lakhs annual income requirement.
Fees & ChargesUnderstand every major cost before applying
Joining Fee
₹500
One-time onboarding cost charged by the issuer unless waived by an offer.
Annual Fee
₹500
Recurring fee; compare against rewards, vouchers, lounge usage, and renewal-waiver rules.
Forex Fee
2.5%
Markup on international transactions before taxes and network conversion effects.
Late Payment Charges
Issuer slab-based
Avoid carrying balances; late fees and interest can erase reward value quickly.
Interest Rate
Issuer terms apply
Credit-card interest is expensive and should not be used to finance routine spends.
EligibilityWho can apply and what documents are needed
21 – 60 Years
Standard applicant age criteria, subject to issuer policy.
₹4,00,000+ p.a.
Recommended minimum annual income for optimal approval odds.
Salaried & Self-Employed
Applicants require stable income with verifiable proof.
Indian Citizen / Resident
Must hold valid residential address and KYC documents.
750+ CIBIL Score
A strong repayment history improves underwriting outcomes.
PAN, Aadhaar & Income Proof
Required for identity and income check by the issuer.
Real World Use CasesAnnual value by user profile
Frequent Traveller
High airport usage makes lounge and travel benefits easier to monetize.
Corporate Executive
Large reimbursable or business-adjacent spends can amplify reward earning.
Luxury Lifestyle User
Dining, premium service, and travel comfort can justify a high-fee card.
Average User
Moderate spends need careful fee recovery and should avoid unused premium perks.
Is It Worth The Fee?Spend-level fee recovery analysis
The card becomes compelling when reward value plus actually used benefits exceed ₹500. The table below uses the stored reward rate and subtracts the annual fee, before any issuer taxes, exclusions, caps, or milestone bonuses.
Annual Spend
₹5,00,000
Estimated Rewards
₹15,000
Net Value (After Fee)
₹14,500
Annual Spend
₹10,00,000
Estimated Rewards
₹30,000
Net Value (After Fee)
₹29,500
Annual Spend
₹20,00,000
Estimated Rewards
₹60,000
Net Value (After Fee)
₹59,500
Annual Spend
₹30,00,000
Estimated Rewards
₹90,000
Net Value (After Fee)
₹89,500
Pros
- Attractive 3% reward rate on eligible spends
- Low annual and joining fee of INR 500
- Complimentary domestic lounge access (2 visits)
- Dedicated travel benefits for MakeMyTrip users
- Fuel surcharge waiver for road trips
Cons
- Relatively low cashback rate of 0.75%
- Strict income eligibility of 4 Lakhs per annum
Who should get ICICI MakeMyTrip Platinum?
ICICI MakeMyTrip Platinum Credit Card is a strong fit for frequent makemytrip users and budget travelers who can spend enough to recover the ₹500 annual fee through rewards and actual benefit usage, who travel often enough to use the 2 lounge access and travel perks, who redeem rewards thoughtfully and pay every statement balance in full. It works especially well as a primary card for travel and premium privileges, provided you align your spending with its strengths and check Icici's latest terms before applying.
Who should avoid ICICI MakeMyTrip Platinum?
Avoid ICICI MakeMyTrip Platinum Credit Card if your monthly card spend is too low to recover the annual fee, if you prefer simple, no-fee cashback cards without tracking complex rules, if you rarely travel and won't use the lounge or travel benefits, if you make frequent international transactions and need a lower forex markup. Even a premium card can deliver weak real value if you leave benefits unused or make poor redemption choices.
Competitor ComparisonICICI MakeMyTrip Platinum vs travel alternatives
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
| Card | Annual Fee | Reward Rate | Lounge Access | Ideal User |
|---|---|---|---|---|
| ICICI Emirates Skywards Emerald | ₹10,000 | 6% | 20 | Travel users |
| RBL Insignia | ₹9,999 | 5% | 20 | Travel users |
| HDFC Regalia Gold | ₹2,500 | 5% | 18 | Travel users |
| ICICI Emeralde | ₹12,000 | 5% | 20 | Travel users |
| Axis Atlas | ₹5,000 | 5% | 20 | Travel users |
Expert ReviewCraydit Expert Review
The ICICI MakeMyTrip Platinum is a high-value entry-level travel card. Its primary strength lies in the 3% reward rate and low INR 500 fee. While the cashback is modest, the combination of lounge access and travel-specific benefits makes it highly suitable for lifestyle travelers and MakeMyTrip loyalists.
Travel Rating
Rewards Rating
Lifestyle Rating
International Rating
User ReviewsUser Reviews & Ratings for ICICI MakeMyTrip Platinum
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FAQICICI MakeMyTrip Platinum FAQs
Yes, particularly if you align with its latest terms. ICICI MakeMyTrip Platinum Credit Card is most suitable for frequent makemytrip users and budget travelers. It remains worth considering if your regular spends match its reward categories. With recent reward restructuring across the industry, avoid judging it only by headline rates; focus on the current annual fee, updated exclusions, and realistic redemption value.
ICICI MakeMyTrip Platinum Credit Card has a listed annual fee of ₹500 and a joining fee of ₹500. Treat the card as worthwhile only if your yearly rewards, fee waivers, vouchers, and usable benefits can exceed this cost.
We recommend an annual income of around ₹4,00,000 for this card. In practice, approval also depends on bureau score, repayment history, existing credit limits, job or business stability, city, and Icici's internal policy. A credit score above 750 generally improves approval chances.
ICICI MakeMyTrip Platinum Credit Card offers 2 domestic and 0 international lounge visits. Banks may require minimum quarterly spends or may change eligible lounges, so verify the current access rules on Icici's website.
We estimate ICICI MakeMyTrip Platinum Credit Card to have a 3% reward rate and 0.75% cashback potential. Actual earnings can be lower because banks often exclude rent, wallet loads, fuel, education, government payments, insurance, EMI transactions, or spends above monthly caps.
ICICI MakeMyTrip Platinum Credit Card has a listed forex markup of 2.5%. For frequent foreign spends, compare this markup with the reward value you earn back. A low-forex card may be better if you travel abroad often or pay for international subscriptions.