ICICI MakeMyTrip Signature Credit Card Review
Get the ICICI MakeMyTrip Signature card for a 4% reward rate, lounge access, and travel perks. Ideal for frequent flyers with a high annual income.
CrayDit Score · 65% match
ICICI MakeMyTrip Signature Latest Changes & Updates
Track the latest ICICI MakeMyTrip Signature changes, including reward updates, lounge access rules, fees, eligibility and benefits that impact cardholders.
- 1★ New
Earn MakeMyTrip rewards on all bookings
- 2
Complimentary lounge access
At a Glance
Key takeaways for ICICI MakeMyTrip Signature
ICICI MakeMyTrip Signature is an Indian credit card from Icici. Based on the latest 2026 updates, it carries a ₹2,500 annual fee and a 4% estimated reward rate.
ICICI MakeMyTrip Signature is for high-income frequent travelers who can use rewards, lounge access, and premium benefits enough to offset the fee.
The estimated reward rate is 4%, with cashback potential of 1%.
The annual fee is ₹2,500 and the joining fee is ₹2,500.
ICICI MakeMyTrip Signature is good for travel-focused users who use lounge and trip benefits.
ICICI MakeMyTrip Signature is worth it when annual rewards and used benefits exceed the fee after realistic redemption assumptions.
Card OverviewWhat is ICICI MakeMyTrip Signature Credit Card?
The ICICI MakeMyTrip Signature is a premium Mastercard designed for affluent travelers. It combines high reward potential with extensive lounge access to enhance the travel experience. With a minimum income requirement of 8 Lakhs, it targets users who prioritize travel perks. The card offers a blend of cashback and reward points to maximize value. It is a robust tool for those frequently booking trips via MakeMyTrip.
Reward Point AnalysisRewards, redemption value, and fee recovery
This card offers a competitive 4% reward rate, allowing users to accumulate points quickly on their spends. Additionally, a 1% cashback rate provides direct value back to the cardholder. The combination of rewards and cashback makes it highly lucrative for those with high monthly expenditures, especially within the travel category.
Reward Calculator
Estimate annual card value
Effective rate
3.79%
Annual Spend
₹12,00,000
Annual Rewards
₹48,000
Net Value
₹45,500
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 significant travel perks, including 6 domestic and 4 international lounge visits. The fuel surcharge waiver helps minimize costs during road trips. These benefits are tailored for those with an annual income above 8 Lakhs and an excellent credit history, ensuring a premium lifestyle experience.
Fees & ChargesUnderstand every major cost before applying
Joining Fee
₹2,500
One-time onboarding cost charged by the issuer unless waived by an offer.
Annual Fee
₹2,500
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.
₹8,00,000+ 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 ₹2,500. 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
₹20,000
Net Value (After Fee)
₹17,500
Annual Spend
₹10,00,000
Estimated Rewards
₹40,000
Net Value (After Fee)
₹37,500
Annual Spend
₹20,00,000
Estimated Rewards
₹80,000
Net Value (After Fee)
₹77,500
Annual Spend
₹30,00,000
Estimated Rewards
₹1,20,000
Net Value (After Fee)
₹1,17,500
Pros
- High reward rate of 4% on eligible spends
- Additional 1% cashback rate for extra savings
- Generous lounge access with 6 domestic and 4 international visits
- Comprehensive travel benefits for frequent flyers
- Fuel surcharge waiver to reduce travel costs
Cons
- Relatively high joining and annual fee of INR 2500
- Strict eligibility with a minimum income requirement of 8 Lakhs
Who should get ICICI MakeMyTrip Signature?
ICICI MakeMyTrip Signature Credit Card is a strong fit for high-income frequent travelers who can spend enough to recover the ₹2,500 annual fee through rewards and actual benefit usage, who travel often enough to use the 10 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 Signature?
Avoid ICICI MakeMyTrip Signature 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 Signature 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 Signature is an excellent choice for high-earners who travel often. The 4% reward rate and comprehensive lounge access provide great value that justifies the INR 2500 fee. While the income barrier is high, the travel-centric rewards and lifestyle benefits make it a top contender for the frequent traveler segment.
Travel Rating
Rewards Rating
Lifestyle Rating
International Rating
User ReviewsUser Reviews & Ratings for ICICI MakeMyTrip Signature
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FAQICICI MakeMyTrip Signature FAQs
Yes, particularly if you align with its latest terms. ICICI MakeMyTrip Signature Credit Card is most suitable for high-income frequent 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 Signature Credit Card has a listed annual fee of ₹2,500 and a joining fee of ₹2,500. 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 ₹8,00,000 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 Signature Credit Card offers 6 domestic and 4 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 Signature Credit Card to have a 4% reward rate and 1% 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 Signature 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.