MakeMyTrip ICICI Bank Credit Card

“Excellent co-branded travel card. 0.99% forex markup is the lowest in our entire 20-card collection — makes it the go-to card for international spends. 6% myCash on MMT hotels and 3% on flights/buses/cabs are among the highest travel reward rates. myCash = ₹1 each (no devaluation like RP → ₹0.25) and they NEVER expire. ₹999 fee effectively offset by ₹1K welcome + ₹1K renewal MMT voucher. MMTBLACK Gold membership adds real value (hotel upgrades, 20% F&B, 25% flight add-ons). Domestic lounge access (2/quarter) without spend gates is rare at this price — Coral needs ₹75K/quarter for just 1 visit. Movie discounts at ₹150 cap are higher than Coral's ₹100. KEY TRADEOFF: myCash is locked to MakeMyTrip ecosystem — the 6%/3% rates only matter if you book through MMT. Base 1% on non-MMT is decent but not exceptional. All-pump fuel waiver (vs HPCL-only for Platinum Chip/Coral) is a nice touch. Culinary Treats (Swiggy + EazyDiner) adds dining value. The 14-page T&C PDF should be saved for RAG processing.”

Fee Waiver: Annual fee waived on spends over ₹3,00,000 (₹3 Lakh) in one year