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MakeMyTrip ICICI Bank Signature Credit Card Vs. MMT ICICI Bank Visa Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

MMT ICICI Bank Visa Signature Credit Card

MMT ICICI Bank Visa Signature Credit Card

Comparison of MakeMyTrip ICICI Bank Signature Credit Card and MMT ICICI Bank Visa Signature Credit Card

Feature
MakeMyTrip ICICI Bank Signature Credit Card
MMT ICICI Bank Visa Signature Credit Card
Annual Fee
Nil
₹0
Joining Fee
2,500 + GST
₹0
Welcome Benefits
Receive 1,500 MyCash upon payment of the one-time joining fee.
₹1,500 MyCash + ₹2,500 holiday voucher
Interest Rate (APR)
N/A
3.75% per month (45% annually)
Foreign Currency Markup
N/A
3.5% + GST (~4.13%)
Key Highlights
  • •Exclusive Travel Rewards
  • •Premium Membership
  • •Welcome Gift
  • •Milestone Benefits
  • •Lounge Access
  • •Generous Welcome Benefits
  • •MMTBLACK Platinum Membership
  • •Accelerated MyCash Earning
  • •Flexible Redemption Options
  • •Triple Lounge Access Benefits
  • •Milestone Spending Rewards
  • •Entertainment and Dining Benefits
  • •MMT Cab Benefits
  • •24×7 i-Assist Concierge Service
  • •International Travel Benefits
Dos
  • Use the card for all travel bookings on MakeMyTrip to maximise MyCash rewards.
  • Pay the full statement balance by the due date to avoid high finance charges.
  • Actively redeem MyCash towards travel.
  • Utilise the 1% fuel surcharge waiver benefit regularly at eligible HPCL stations.
  • Leverage the MMTBLACK Platinum perks like upgrades and special offers during hotel stays.
  • Book all flights, hotels, and holidays exclusively through MakeMyTrip to earn maximum MyCash at 4 per ₹200 and 2 per ₹200 rates.
  • Pay your credit card bill in full and on time to avoid 45% APR interest charges and maintain an excellent credit score.
  • Spend a minimum of ₹5,000 per quarter to unlock domestic lounge access for the following quarter.
  • Track your anniversary-year spending to reach ₹2.5 lakh or ₹5 lakh milestones for bonus ₹1,100 and ₹4,000 MyCash respectively.
  • Utilise international spending to earn 1.50 MyCash per ₹200 (0.75%), higher than the domestic rate of 1.25 per ₹200.
Don'ts
  • Avoid using the card for cash advances as this incurs high fees and finance charges immediately.
  • Ignore the minimum spend requirements for domestic lounge access, which would result in forfeited access.
  • Share your card details or PIN with any untrusted sources or through non-secure communication channels.
  • Miss the payment due dates, as this can lead to substantial late payment fees and negatively impact your credit history.
  • Use the card for commercial or business purposes, as it is intended for personal expenditure only.
  • Don’t use the card for fuel purchases—they earn zero MyCash and waste spending capacity.
  • Avoid EMI conversions, rent payments, wallet loads, insurance premiums, and cash advances as they earn 0 MyCash.
  • Never miss payment due dates—late fees range from ₹100–₹1,300, and 45% interest applies.
  • Don’t expect a fee waiver—the ₹2,500 annual fee is payable regardless of spending.
  • Don’t ignore milestone targets—missing ₹2.5L/₹5L means losing up to ₹5,100 bonus MyCash.

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