If you are looking for a new credit card for your travel related spends, then you can go towards ICICI MakeMyTrip credit card. ICICI MakeMyTrip credit card is a co-branded credit card and it has been jointly launched by ICICI bank and MakeMyTrip. When you spend your travel related expenses with this credit card, you will get good benefits in it.
Get unlimited Mycash rewards that will never expire, earn up to 6% Mycash on your MakeMyTrip bookings, and enjoy a foreign exchange Markup of just 0.99% on international transactions. Also, enjoy a ₹1000 joining/annual voucher, a complimentary MMTBlack Gold membership, and 3 months no-cost EMI on MakeMyTrip bookings.
With 8 free domestic and 1 international airport lounge access annually, movie discounts on BookMyShow and INOX, this card ensures both luxury and savings.
Key Features of ICICI MakeMyTrip Credit Card:
Joining and Annual Fee:
The annual joining fee for this ICICI MakeMyTrip credit card is ₹999 + GST. If you spend Rs 3 lakh in a year through this credit card, your annual fee gets waived off.
Joining Benefits of ICICI MakeMyTrip Credit Card:
If you pay the joining fee of this credit card, you get a MakeMyTrip voucher worth ₹ 1000. Additionally you also get one year gold membership of MMT black in it. You will also get additional discounts and benefits from this membership. So as a joining benefit you get two types of benefits in it.
Regular Benefits of ICICI MakeMyTrip Credit Card:
- If you book hotels using MakeMyTrip Platform with this ICICI MakeMyTrip credit card, you will get 6% Mycash Points. So on every ₹200 spent you will get 6% Mycash Points.
- Apart from this, if you book flights, bus or cab using MakeMyTrip Platform, you will get 3% Mycash Points. So here too you will get 3% Mycash Points on every ₹200 spent.
- Apart from this you will get Mycash Points of 1% on all other spends. That means whenever you use this credit card on Amazon, Flipkart or any other e-commerce website, you will get 1% Mycash points there.
And here you get the value of 1 Mycash point equal to ₹ 1 which is quite good. And the best part is that these Cash Points never expire. These Cash Points are valid for lifetime.
But here you also get to see some such categories where if you use this ICICI MakeMyTrip credit card, then you do not get to see any cash point, such as:
- If you get fuel refilled through credit card, you do not get any Mycash Points.
- Even if you make payment for any government website or government service with this credit card, you will not get any Mycash points.
- Apart from this, even if you make rent payment or withdraw cash from this credit card, you do not get any kind of Mycash points.
Another best thing about this credit card is that by using this credit card you can book bus, hotel or flight on MakeMyTrip platform, whether domestic or international, you get Mycash Points in both.
Lounge & Lifestyle Benefits of ICICI MakeMyTrip credit card:
- On ICICI MakeMyTrip credit card, you get the benefit of eight Domestic Complimentary Lounge access in 1 year. That is, per quarter you can avail the benefit of two Domestic Airport Lounge access with this credit card.
- Apart from this, you also get the benefit of one Complimentary International Airport Lounge access in a year.
If you regularly travel domestically or internationally, then you can also avail the benefit of its lounge access.
- If you book movie tickets on BookMyShow or INOX with this credit card, then you can get up to ₹150 off on your second movie ticket and you can do this twice in a month.
- Apart from this, if you make your international spend with this credit card, then you will have to pay the lowest 0.99% Forex Markup fee. If we compare this Forex Markup fee with other Credit Cards, then it is less than them.
Now, whenever you apply for this credit card, you will get this credit card with Rupay network and Visa network. Therefore, you will be able to make your UPI payments very easily using this Rupay ICICI MakeMyTrip credit card.
Interest Rate of ICICI MakeMyTrip credit card:
- If you do not pay the bill of this credit card timely, then you will have to pay 3.76% interest on the remaining amount to the bank every month.
- Apart from this, if you get fuel refilled using this credit card, then you do not get fuel surcharge waiver in it. That means, you will have to pay 1% + GST ​​fuel surcharge for the fuel you refill.
- Apart from this, whenever you withdraw cash from ATM using ICICI MakeMyTrip credit card, you will have to pay 2.5% Advance Charge of the amount you withdraw.
Conclusion:
If a lot of your spend is related to travel and you keep booking buses, hotels and flights on MakeMyTrip platform on a regular basis, then if you take this credit card, you are going to save a lot. Apart from this, you also get the benefit of domestic and international airport lounge access on this credit card, so if you travel, you can also avail the benefits of YEARLY airport lounge access.
And if you ever want to do an international transaction, then you also get the benefit of lowest Forex Markup Fee in this credit card. You also get this card with RuPay network, so you can easily make your UPI payments with it. So if a lot of your spend is travel related then you can consider this ICICI MakeMyTrip credit card.