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ICICI Bank MakeMyTrip Platinum Credit Card (4.2)

make my trip offers icici credit card

If you are a frequent traveller and want to save some money, then you should consider getting the MakeMyTrip ICICI Bank Platinum Credit Card. This card offers several benefits, including a holiday voucher worth ₹3,000, a reward rate of up to 3%, exclusive milestone benefits, free access to airport lounges, and much more with just ₹500! To learn more about the card, keep reading.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus

  • ₹500 MMT Cash
  • MakeMyTrip holiday voucher worth ₹3,000

Note: Benefits are to be credited within 45 business days after the payment of the joining fee. 

Dining Benefit

  • ₹100 off Swigg y on a minimum order of ₹700.
  • 15% off up to ₹750 at EazyDiner.
  • Discount under Culinary Treats Programme.

Note: Swiggy offer is valid only on net banking transactions.

Fuel Surcharge

Save  1% fuel surcharge at HPCL outlets.

Entertainment Benefit

Buy 1, get 1 movie ticket on BookMyShow and INOX. Note: Users can avail of only 2 movie tickets worth ₹250 per month.

Fee and Charges

Joining Fee

Annual Percentage Rate

Add-on Card Fee

Minimum Repayment Amount

Cash Withdrawal Fee

Cash Advance Limit

Card Replacement Fee

Foreign Transaction Fee

Over Limit Penalty

Fuel Transaction Surcharge

Reward Point Value

Late Payment Charges

Balance below ₹100

Balance from ₹100 to ₹500

Balance from ₹501 to ₹5000

Balance from ₹5001 to ₹10000

Balance from ₹10001 to ₹25000

Balance from ₹25001 to ₹50000

Balance more than ₹50000

Aspects that make this credit card amazing.

  • This card offers travel benefits on MakeMyTrip.
  • It offers discounts on movie tickets.
  • Users get benefits on fuel transactions.

Aspects this credit card lacks.

  • No rewards or cashback on the transaction towards bills and other utilities.
  • Charges of ₹ 250 are levied in case of an add-on credit card.
  • My Cash cannot be used for rail, offline holiday bookings and Pay at Hotel bookings.

ICICI Bank MakeMyTrip Platinum Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Customer Service

ICICI Bank MakeMyTrip Platinum Credit Card Review

The MakeMyTrip ICICI Bank Platinum Credit Card is a co-branded card that offers travel benefits. If you travel frequently and prefer using MMT for hotel and flight bookings, this card is a good choice for you. You can enjoy benefits such as one free airport and railway lounge access, 2 My Cash points when booking flight tickets, and 3 My Cash points when booking hotels via MMT. The card also offers basic benefits of 1 My Cash on every ₹200 spent domestically and 1.25 My Cash on ₹200 spent internationally, along with a 1% fuel surcharge waiver limited to HPCL petrol pumps. However, besides the MMT benefits, the rewards rate is low.

Who should get the ICICI Bank MakeMyTrip Platinum Card? 

The ICICI MakeMyTrip Platinum Credit Card is best suited for individuals who frequently travel and want to earn reward points for their travel and other expenses. The card offers a wide range of travel benefits like discounts on hotel and flight bookings with complimentary airport lounge access and other lifestyle benefits, such as movie discounts and rewards on fuel transactions.

Overall, this card is an ideal option for users who want to avail of these benefits by just paying a one-time joining fee.

Reward Points

For all the transactions done via ICICI MakeMyTrip Platinum Card, users get “My Cash”. 

Note: 1 My Cash = ₹1

How to apply for ICICI Bank MakeMyTrip Platinum Card? 

Application for ICICI MakeMyTrip Platinum Credit Card is available online as well offline. To apply for the card via offline mode, visit the nearest branch of the ICICI Bank with all the necessary documents, fill out the application form and submit it.

And to apply for the card online, follow the following steps: 

• Visit  ICICI Bank’s website.  

• Under the cards section, go to credit cards. 

• Click on “Get Credit Card”. 

• The page will be redirected to the application form. 

• Enter mobile no. and other required details to proceed with the application process.

Note: Customer Care can be contacted at 1800 1080 in case there are issues in filling out the application form.

ICICI Bank MakeMyTrip Platinum Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity:  PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address:  Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income:  Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.

ICICI Bank Cards Issued & Spends

make my trip offers icici credit card

ICICI Bank Credit Card Customer Care Number:

ICICI Bank Card Offers:

Total Cards:

ICICI Bank Credit Card News

ICICI Bank intends to change the benefits of airport lounge access linked to a few of its credit cards starting on 1 April 2024. "Starting 1 April 2024, you can enjoy one complimentary airport lounge access by spending Rs. 35,000 in the preceding calendar quarter," according to the website of ICICI Bank. Access for the next calendar quarter will be provided in accordance with the amount paid during the preceding quarter. Spending at least Rs. 35,000 in the January, February, and March 2024 quarters, as well as the following quarters, will get you complimentary lounge access for the months of April, May, and June 2024.

Cybernews research team recently uncovered a data breach of over 3.6 million credit card users of ICICI Bank. The data was found misconfigured and publicly accessible on a cloud storage platform named Digital Ocean.

ICICI has been constantly denying any claims made in regards to said data breach, but based on reports, customers’ bank account details, credit card numbers, full names, dates of birth, home addresses, phone numbers, and emails have been compromised.

ICICI Bank MakeMyTrip Platinum Customer Reviews

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Frequently asked questions, 1. what should i do if i lose my makemytrip icici bank platinum credit card.

In the circumstance of a credit card loss, theft, or misuse, the incident must be reported immediately to ICICI Bank via Customer Care or SMS CCBLK to 5676766 from your registered mobile number. The card will be suspended immediately by the bank. The card member is advised to file an FIR with the local police station so that a copy can be produced whenever the bank requests it.

2. Will I get a fuel surcharge waiver with the MakeMyTrip ICICI Bank Platinum Credit Card?

Fuel Surcharge Waiver: A 1% fuel surcharge is waived on transactions up to Rs. 4,000. This offer is only available at HPCL fuel pumps.

3. Can I withdraw money from ICICI MakeMyTrip credit card?

Like most credit cards, the MakeMyTrip ICICI Bank Platinum Credit Card allows you to withdraw money up to your cash withdrawal limit. Every transaction carries a 2.50% fee on the advance amount, with a Rs. 300 minimum. The interest rate is 3.40% per month or 40.8% per year. Other benefits of the MakeMyTrip ICICI Bank Platinum Credit Card include a waived annual fee for the first year, discounted international transactions, and rewards points for eligible purchases.

4. What is the cash advance fee charged on MakeMyTrip ICICI Bank Platinum Credit Card?

MakeMyTrip's ICICI Bank Platinum Credit Card charges a cash advance fee of 2.5% of the transaction amount, with a minimum of Rs. 500.

5. Does the MakeMyTrip ICICI Bank Platinum Credit Card offer complimentary access to railway lounges?

Yes, the MakeMyTrip ICICI Bank Platinum Credit Card provides complimentary access to railway lounges once every quarter. However, complimentary lounge access is restricted to only a few select lounges in India and is only valid for one visit per quarter.

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CardExpert

MakeMyTrip ICICI Bank Signature Credit Card Review

This is a review by our reader Satish Kumar Agarwal who recently got hands on MakeMyTrip ICICI Bank Visa Signature Credit Card . Over to him:

The current position of ICICI bank in credit card segment doesn’t do justice compared to its banking business. And much to our delight they are now looking more aggressive with the credit card business, which can be seen by the new offerings. Recent online/ spend offers on ICICI bank cards have been good too.

I am an ICICI bank savings account holder since last 18 years and occasionally received emails regarding LTF Platinum chip card. But their Payback reward points system is not something that excites me. That’s the reason I didn’t apply for them. As Siddharth rightly pointed out, only card worth taking from ICICI bank is Jet Sapphiro , which is not in my radar as I am not a frequent flier.

make my trip offers icici credit card

Nevertheless looking at their recent credit card shopping offers, I was looking for one which is not a part of Payback points system and zeroed in on Amazon pay ICICI bank Visa credit card which was launched in last week of October 2018. As this card is by invitation only, I couldn’t apply for one yet. But looks like it will take some time.

Meanwhile on searching their other card offerings, one particular card which impressed me was this MMT ICICI Signature credit card launched recently around September 2018 and this is the review of same.

Table of Contents

Joining Fees

Welcome offers, regular offers, milestone spends, my experience.

  • Joining fee: Rs.2500+GST which comes to 2950/-
  • No annual fee thereafter (Looks like they have taken a leaf out of IndusInd bank)
  • Lemon Tree hotels voucher worth 2500/- (No min. spend criteria, part of welcome kit)
  • My Cash worth 1500/- in MMT account without any usage restrictions (valid for 1 year)
  • Auto enrolment to MMTDOUBLEBLACK for 1 st year (worth minimum 999/- on paying via HDFC cc else 1499/-)  n MMTBLACK programme
  • Complementary 10 days Airtel International roaming pack (On booking international flight/ hotel by this card within specified offer period)

If you are able to use the Lemon Tree hotel voucher then this welcome offer may be termed as good one.

  • 1 international lounge visit and 1 spa session at selected domestic airports per year (Via complementary Dreamfolks DragonPass membership)
  • 1 complementary railway lounge access per quarter (Currently only 3-4 lounges)
  • Domestic airport lounge visits: 2 per quarter via Visa lounge access programme
  • 2 complimentary movie tickets every month upto 300 per ticket via BookMyShow under “Buy 1, Get1” offer on first-come, first-serve basis
  • Every sixth ride complementary with Ola (Worth upto 150/- max per sixth ride, but must complete 5 rides n use 6th ride within that month, as count will be set zero next month)

Point no. 1 & 2 is what excites me and was a major factor in deciding to go for this card (though complementary access is too low). Also these features are currently available exclusively on a handful of ICICI bank credit cards only.

  • Flight bookings on MMT – 1%
  • Hotel/ holiday bookings on MMT – 2%
  • Domestic spends outside MMT – 0.6%
  • International spends outside MMT – 0.75%
  • Spend 2.5 lacs – 1100 My Cash each anniversary year
  • Spend 5 lacs –    4000 My Cash (additional over n above 1100) each anniversary year

Earning rate of this card is around 1% if used in a mix of categories mentioned above, which is below expectation for a Visa Signature card. As renewal charges are NIL 2 nd year onwards, this may still be acceptable.

But if used frequently for bookings flights/ hotels on MMT then courtesy MMTBLACK (I am already MMTBLACK member via Yes bank complementary offer email link and hence I confirm this) the earning rate shoots to as good as 6% on spending 50K. Though My Cash earned via MMTBLACK route has a validity of 3 months only.

Application Process: I applied via bank website apply online link on 25 th November and got a call next day regarding the application. I was told that physical application along with documents will be picked up same day. But the bank executive came after a gap of 2 days i.e. on 28 th November.

Surprisingly the application form asked for 2 references and their contact numbers also, which was kind of unheard by me so far. And the form mentioned the processing time as within 21 working days.

Upon enquiring I was told by the executive that form will be couriered to their card processing area and then only further action will take place. Again kind of bombed by their working in this digital age. Not a good experience so far.

Flow of card processing:

  • 25.11.18 – Applied for the card via Apply Online link on ICICI bank website
  • 28.11.18 – Visit by ICICI executive for application form & KYC documents pickup
  • 22.12.18 – Received application reference no. via email (1 st communication after applying)
  • 02.01.19 – Received card approval information via sms & email
  • 05.01.19 – Received card dispatch alert via sms & email
  • 06.01.19 – Card delivered & received delivery confirmation sms & email
  • 13.01.19 – Dreamfolks DragonPass delivered

They took almost 21 working days to provide me the application reference number. And card delivery took 31 working days after documents were picked up, which is quite long. In comparison my YFP card took only 12 working days or so.

make my trip offers icici credit card

This card is best used for its unique experiences like railway lounge access/ airport spa session, merchant based promo offers apart from using it for its regular offers and not for very high spends.

  • Cardexpert Rating: 3.5/5 [yasr_overall_rating]

While its not a great card, its still worth holding if you’re not yet invited for Amazon Pay Credit Card. What’s your thoughts on the ICICI MMT Card?

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make my trip offers icici credit card

117 thoughts on “ MakeMyTrip ICICI Bank Signature Credit Card Review ”

make my trip offers icici credit card

Did your provided income documents ? How is the credit limit in comparision to other credit cards you hold ?

make my trip offers icici credit card

Dear Captain Yes. Provided latest 2 months salary slip. Limit is the lowest among my other cc’s.

make my trip offers icici credit card

did they ask for bank statement of salary account?? in my case they insisted for the same during tele-verification even though i have a gold privilege account with them and an existing coral credit card with CL of 2.10 lakhs. They told that salary slip only will not suffice. I have complained to their customer service and the issue has been escalated. Presently i am waiting for a reply.

Can’t exactly remember, but think I too was asked for and provided bank statement of salary account.

make my trip offers icici credit card

In my case after about 2 weeks of escalations and negotiations they have upgraded my coral card to mmt visa signature (which they initially claimed was not possible) without any further kyc documents and also have transferred the existing credit limit to the new card and have asked me to inform them on receipt of new card so that they can close my coral credit card…

make my trip offers icici credit card

For Upgrading from Coral to MMT Signature, did you applied through Branch or CC. I Called CC and got reply that they can’t do this.

make my trip offers icici credit card

So I called CC and requested them to upgrade my existing Coral credit card to ICICI MMT Signature card. They told it is possible and after two days I got an e-mail that the card is approved and dispatched. After 4 days I received the card and guess what I was given a separate card. My Coral credit card is intact and I can continue using both cards, Limit is not shared too! between cards.

I have never given a salary slip for the credit cards I got. SBI, ICICI – 2. All cards based on cibil score.

make my trip offers icici credit card

Appears to be a good option if one was about to pay for MMT Black anyway. Holds good for a year in that case. Frankly I’d like to see better rewards on MMT spend, this is worse than debit cards. Either that or they should make MMT Black a standard offering on this, instead of first year only.

Card looks cool though.

Dear Amex Guy

MMT BLACK membership once taken is for lifetime. Only caveat is the spend counter gets reset to zero at the end of every year for earning rewards. So MMTBLACK feature is kinda permanent to MMT account once enrolled.

Yup upon first look of the card I also felt nice.

make my trip offers icici credit card

MMT BLACK is different from MMT DOUBLE BLACK which provides free cancellation on hotels and flight bookings which is different from MMT BLACK. MMT BLACK provides spend based my cash which could be used for partner vouchers or to use while booking in MMT.

Rightly pointed out dear Sharathkumar. As this review itself was quite long, I didn’t provide much details of MMTBLACK/ MMT DOUBLEBLACK.

They require separate reviews to do justice.

make my trip offers icici credit card

Pls make one. It would be useful for many 🙂

I will try one shortly. Thanks.

Yes, I meant MMT Double Black, the thing that costs 1499 a year. That needs to be a permanent feature of this card.

If they offered MMT DOUBLEBLACK as permanent feature, then this card would have been a no brainer for frequent fliers n hotel users.

Maybe they could have taken 500 as renewal fee and given DOUBLEBLACK as renewal benefit.

make my trip offers icici credit card

Well, it’s LTF after joining fees. So doubt most people will look to discontinue even if MMT doubleBlack is not offered

make my trip offers icici credit card

Need your application reference no to investigate the delay in card application process.. Regards Rajesh Tejnani,icici bank

Dear Rajesh

Card Application Ref. No is 18122209635.

Even I had bad experience with this card application. Recieved Mmt plat after 20-30 days though applied for MMT signature. Had to follow up few times to reverse the joining fees and cancel that card and recieved Mmt signature after another 30-40 days. Total close to 2 months from application date .

Card looks good, premium looking.

For me, it’s mainly worth due to Mmt doubleBlack and gocash+ – settles the joining fees.

The spa and railway lounge are benefits I am looking forward to. And ola rides also make it interesting (though most times use uber due to HDFC diners premium).

Btw, anyone can help how to claim the doubleBlack/gocash+ and also the spa access? And railways access includes which stations?

Dear Priyansh

Airport Spa access is via Dreamfolks DragonPass card. You must have recd it. Railway lounge access includes New Delhi, Vishakhapatnam, Jaipur (doubtful). More stations may be added in future.

Didn’t recieve Dragon pass card as far as I can tell (will still check the envelope day after once back at office).

Thanks for the information.

For me DragonPass came in a separate envelope exactly 1 week after card delivery. Though tnc mentions it to be within 45 days after payment of joining fee.

Hope it helps.

make my trip offers icici credit card

It’ll be sent once you make a couple of transactions on your Visa cc. Make sure they’re above 500 each. The dragonpass is shipped separately.

MMTBLACK n MMT DOUBLEBLACK membership link will be sent to your email containing a code. If you apply this code on your MMT account, your membership will be activated.

make my trip offers icici credit card

Hi Rajesh, I also applied for Signature card but after 30 days got Platinum card. Application number 18111209578. When contacted customer care they said to re-apply it by sending sms MMTCARD to 5676766 and again provide all the documents required. The executive who collected the documents also didn’t respond to my calls or msgs further.

make my trip offers icici credit card

I have applied for ICICI Bank credit card, but my application got declined by the bank without any specific reason..

make my trip offers icici credit card

I have application for coral Amex online and they declined it without any reason as of now I am already having two CC from SBI ABD HDFC and working with reputed PSU

make my trip offers icici credit card

Very low earning rate in comparison to CITI Premier miles.

Fees for Premier miles is ₹3,000 per year. And in first year you get 10,000 points worth ₹4,500 if spend on the dedicated website.

Also normal earnings is 4 points per ₹100 & 10 points on air tickets and hotels. This translate a return of 1.8% to 4.5% on travel spends.

While your points are valid, please see this perspective– 1. Outside metro cities, difficult to get approved for Citibank Premier Miles card compared to MMT ICICI card 2. While joining benefit is good, but 3000 miles for renewal fee of 3540/- is too bad every year 3. No international lounge access here

Though reward points earning rate of Citi Premier Miles card is better than MMT ICICI Signature card, still one has to earn enough points to jusify the renewal fee first.

make my trip offers icici credit card

Hi Satish, what are the tnc for using Lemon tree voucher. Have you managed to use it successfully. Do you consider it as a true “welcome benefit” in terms of usefulness

Dear Amit G

tncs are not much, but per night charges for Lemon Tree Hotel properties are in the range of 7000+. Locations are also limited to few cities only.

Coming to welcome benefits– they are adequately compensated by credit of 1500 My cash having unrestricted usage on MMT with 1 year validity n MMTBLACK and MMT DOUBLEBLACK membership worth approx 1500 minimum.

make my trip offers icici credit card

I believe it won’t true welcome benefit unless you can use the voucher for food and other services at hotel.

This is because online hotel booking sites like MMT, Yatra etc. usually provide better rate (after use of promo code & wallet cash) than direct booking with hotel.

Please see the image of Lemon Tree voucher provided in review. The voucher is to be redeemed on MMT app or website only and not direct booking to hotel website.

make my trip offers icici credit card

Hello Siddharth & Satish Kr. Agarwal, Thanks a lot fr efforts from fellow card enthusiasts like me.. Interesting to see banks follow this site and take comments seriously.. My question – is there any harm if i upgrade my icici visa coral to icici signature mmt card ? Upgrade to this card is allowed ? I have also recvd invitation for icici amazon card which i already applied and recieved.

Dear Praveen Katiyar

Coral to MMT Signature? You have to talk to customer care regarding this.

I personally felt this card a lot better than Coral (payback system is worst rewarding) taking into account overall features. Though it depends person to person.

Hi Praveen,

You can’t upgrade Your Coral card to MMT Signature. You need apply this card as Separate card. I have already called ICICI CC and got above reply.

Regards, Saroj

Dear Saroj & Satish Kr. Agarwal,

Thanks for reply.

make my trip offers icici credit card

Hello guys, thinking to get this card as i was looking to get a icici card from sometime, can someone let me know do icici bank provide cards on c2c basis and if yes eligibility for this card and how old card should be, as i am new to credit card world and my first card is just 14 months old! Thanks

Dear Hardik

Do ICICI bank provides cards c2c/ how old card- Yes/ Minimum 1 year. Eligibility of this card- Not clear, but 1 lac plus limit on C2C or 50K salary should be good.

Thanks for information satish, i have 2 cards above 1 lakh limit but both are in range of 6 months old, as my first card is 14 months old, i have to apply online or visit branch for getting icici card on c2c basis?

For c2c with any bank you have to visit branch only. No online option.

What is the reward rate for spends other than on MMT ?

Dear Praveen

Please go through the review carefully. Its mentioned already in article.

Extremely sorry.. i missed it..

Thanks for reply & efforts.

make my trip offers icici credit card

HI SATISH JI, WILL I BE ABLE TO GET THE OFFERS THOSE ARE ON ICICI CREDIT CARD WITH ICICI MMT PLATINUM CARD?

make my trip offers icici credit card

hello everyone

I want to hold icici sapphiro amex . My ITR is 5.5 lacs per annum. Having regalia with limit of Rs 3lacs. Am i eligible for sapphiro? Should i apply on ITR basis or Card to Card?

from where should i apply? jet privledge or branch or online. I have no relationship with icici.

make my trip offers icici credit card

Sir, I applied for it unknowingly and got approved with ICICI MMT PLATINUM CC…

I’M NOT A FLYER AT ALL. Can i use the card for online purchases/no cost emi… just like normal icici cards?

I need reply Sir.

@Dr Sreenivasulu

Yes. You can use this card for purchases like any other credit card. You will be able to avail all ICICI bank offers on this card as well.

You don’t need to be a flyer at all. It’s just that rewards will be little more if transactions are done on MMT.

Thankyou somuch Sir, for the confirmation.

I want to get this card on other credit card basis and not providing itr, can someone confirm do icici bank provide c2c basis and what should be card age, if someone has got icici credit card on c2c it would be helpful, share your experience too🙂

make my trip offers icici credit card

Hardik, You can apply c2c basis for any ICICI card. I personally got through using my existing cc.

make my trip offers icici credit card

Will there still be a hard enquiry on the credit report ?

@Bhavya Yes, there will be hard enquiry as usual with any cc application.

make my trip offers icici credit card

Yes i gave my hdfc regalia with 4.5l statement and approved for icici coral for 4.5 limit and please note your old card is atleast one year old and only offline mode for card application is accepted

@Raj and @amit thanks guys for quick reply, actually i am facing issue with my current itr and its been send again to itd for some reason and i am new to credit card thing, i have 2 cards older than 1 year with below 1 lakh limit and 3 cards above 6 months only with above 1 lakh limit and i think they would need above 1 lakh limit card as it’s visa signature and satish too is saying above 1 lakh, so would above 6 months card will do?

make my trip offers icici credit card

Are ICICI co-branded credit cards eligible for all ICICI marketing promotions unlike HDFC JetPrivilige cards? Thinking to apply for ICICI MMT Platinum/Signature credit card.

Though haven’t availed any ICICI offer since card setup, I m pretty sure all ICICI offers will work. And don’t apply for MMT Platinum, its very basic card. Only Signature variant is good.

make my trip offers icici credit card

I had also applied for ICICI MMT Signature Card last month. And as promised, I have received complimentary MMTDOUBLEBLACK membership coupon last week. But the problem is that I am already a MMTDOUBLEBLACK member (although I have used all my quotas for free cancellation) till June 2019.

I am able to renew my membership, but when I am using above complimentary coupon, it’s saying “I am already a member”.

Now I tried contacting customer care, but they are clueless about the issue (though they have confirmed the obvious, that since I am already registered I can not use the coupon).

So my question to all the “Card Expert” is this, will the coupon be valid till June (as there is no information about validity in the mail) or elsewhere?

Dear Mayank

Very tricky situation for you. I will only suggest you to keep in touch with customer care and if that doesn’t work, escalate via social media so that atleast you get the remaining months of MMTDOUBLEBLACK if not full 12 months.

Can you apply through card on card basis ?

I visited an ICICI bank branch with an intention to apply for ICICI MakeMyTrip card. However, I just asked if they offer any of their cards as lifetime free. They asked me the company for which I work as well as my salary and told me that they can process the dual cards of Rubyx on Amex and Mastercard as Lifetime free for me. Visiting a branch was a good way to get this processed as only Platinum card is available as LTF through online channel. Went ahead with Rubyx card application as this would give me a better chance to upgrade to Sapphiro 6-12 months down the line.

1 March – Filled application in the branch and submitted the documents 8 March – Received application number as it was put into processing 13 March – Received message of Card approval 1 April – Received the card today

1. When I called on 14th March to confirm if the card has been indeed issued as LTF, to my surprise I was told that the usual fees and charges are applicable on this card. I had to reach out to the concerned person again who had processed this application. He had then put it an internal service request and got the pricing code changed to LTF which was done by 20th March 2. Took an extremely long time between card approval to card delivery 3. Last name mentioned incorrectly on the account

make my trip offers icici credit card

I think error in name is there habbit in my case to my last name printed is different from my real last name and also tried calling CC but not able to talk to them as always after validation call getting disconnected so much frustrated

Yes. More than 1 year old card with 1 lac+ limit may help.

@Satish What about lounge access for the add on card holder ? Is it a separate limit of visits or shared between the primary and secondary card holders ?

Dear Bhavya Though I couldn’t find any information about lounge access for add on card holders, its safe to assume that lounge access is complementary for Primary card holder only via Visa lounge access programme. If you want lounge access for add on card holders also, look at super premium card section in this website.

make my trip offers icici credit card

The lemon tree voucher given along with the card does not work. Neither MMt nor icici is taking responsibility. Did anyone else faced the same issue?

make my trip offers icici credit card

Can anyone enlighten me as to how the reward points credited through mmt signature card are dsa played. Its supposed to show as my cash in MMT, right? IMobile app shows reward points but not mycash in my MMT? And how does one redeem the reward points then if it doesnt show up in mycash

make my trip offers icici credit card

The points goes as mycash, which you can redeem/use for full while booking tickets/hotels on mmt

AM not able to get the international roaming offer activated also. Neither MMT nor ICICI is helping. These guys are selling the cards with features which you will never get.

Lemon tree voucher didnt tried yet

make my trip offers icici credit card

Hi all, ICICI launched a new credit card in collaboration with Goibibo. Sid: Please try to review the card. Thank you.

I don’t think its a credit card. As per my understanding its a travel card and available as ready to purchase. Please correct me, if I am wrong.

make my trip offers icici credit card

Can we use this card for purchasing electronic items?

@Satish Babu N M You can purchase anything. Just that default reward rate on this card is low compared to premium cards like Regalia. If you have any super premium cards than use that.

make my trip offers icici credit card

Hi, @Satish Kumar Agarwal

Thanks for this ultimate review. I finally have this card in my wallet. I wanted to know what all facilities are complimentary included in the railway lounge access? Have you experienced it yet?

Dear BhavyeG Thanks for your kind words. Haven’t used railway lounges so far, yet as per my knowledge food menu and items provided is quite less and not unlimited buffet like in airport lounges. As there are only 3-4 stations which has this facility so far, best idea is to enquire over the counter to avoid nasty surprises later.

Though I havent used the benefits yet. I have got the following info from ICICI website.

Q.7. What facilities do I get in the railway lounge? The complimentary access to railway lounge will include the below facilities:  Two hours’ of lounge stay in normal seating  Breakfast or Lunch or Dinner as per the time of visit and as per the offering by lounge operator at that particular time of visit  Unlimited tea & coffee with cookies  Free Wi-Fi  Newspaper & magazine Any additional service such as recliners or more shall be chargeable separate as per the operator price for that service.

Will update after using the benefits.

1, Free access to the lounge. 2. Food – options given to select. Not the unlimited buffet though they offered it in the days cards haven’t started offering complimentary railway lounge access.

make my trip offers icici credit card

i registered mmt platinum credit card and i have registered in makemytrip site with voucher code.. but i didnt recieve 500 mycash

@jaggu 500 mycash would be credited into your mmt wallet within 45 working days post payment of joining fee.

make my trip offers icici credit card

I just got accepted for this card. Very excited to move forward from Coral to MMT signature. Great review as well.

I have some questions though: 1. Is dragonpass auto renewed or expires after a certain period? 2. Does dragonpass visits clash with complimentary visa lounge visits? 3. How do you rate it for a frequent traveler?

make my trip offers icici credit card

Hello Satish ji,

I just got this ICICI MMT Signature card. Thank you for the review. I have one question. Have you tried adding this card to your amazon account ??

I recently added it to my amazon account, whenever I go to payment page a weird logo comes along with the card details. Have you noticed that logo? One more wierd thing I encountered is bank name that appears before the card number, here in this card that too is missing only Visa displays there, and third thing is card number shows 4Bxxxx format rather than like other cards like SBI Bank 555xxxxxx ? If required I will also upload image of that payment screen.

Can you please enlighten me about that which logi is that I researched about it, it’s some spanish logo. Why it comes for Indian ICICI Bank Credit card?

Regards Vipin

@Vipin I noticed all these things long back. But as there is no problem with transactions anywhere so I never bothered about it. I have added 10+ cards from various banks to amazon for payment and this logo looks unique and I even like it being different. I have this perspective.

make my trip offers icici credit card

Received this card without joining fee. Although i applied with fee. The person who came to collect documents said in his device it is showing NJF(no joining fee).

Received lemon tree Vocuher with the card it self and now waiting for mmt benifits although i think i’ll not get mmt benifits since i didn’t paid any joining fee but still fingers crossed 😀

Great that you got it LTF.

Hey amit, how did you applied for card? Like card to card from other bank or itr, salary slip and do you hold savings account with them? Lastly the device , like icici have started taking device application like sbi?

@Satish ji,

The logo is of some Spanish Bank ‘Telbanco’ which means Cash Dispenser. Why would ICICI hire such platform? A bit weird for me, but still it’s good as it’s working smoothly. Satish ji, do you have Amazon ICICI card ? Have you got invite for the same after adding MMT Signature in Amazon account ?

@Vipin Answer is Yes to both. And it took exactly 3 months to be precise.

make my trip offers icici credit card

It’s probably at technical bug at Amazon’s end where they are using BIN to identify which bank the card belongs to.

make my trip offers icici credit card

How are points credited to the MMT account? Is there a separate process to link the ICICI and MMT account?

make my trip offers icici credit card

I applied for and received the MMT ICICI Visa Signature card. However, even after nearly 4 months, I am yet to receive the promised Rs. 1500/- mycash or the MMT Double Black membership. Several calls to the helpline has not resulted in action. One of the helpline executives suggested that I contact MMT for the same but the MMT helpline executive expressed inability to sort out the matter. In the meantime I have stopped using the card.

make my trip offers icici credit card

@Manas – Mmt is going downhill then. MMT has also devalued 50% of flights point received in MMT black program. Hotel vouchers are also not available anymore for mycash redemption. You can use this card for lounge access.

make my trip offers icici credit card

Even i haven’t received 1500 mycash yet even after 4 months of receiving the card. Any idea how long they usually take?

Still haven’t received 1500 mycash nor mmt doubleblack invitation, despite 6 months from card activation. Any idea whom to contact?

make my trip offers icici credit card

did you pay the joining fees?

Obviously sir. They charge it within 30 days of card activation

make my trip offers icici credit card

Did Somebody received 1500 mycash post usage of this card? Can anybody confirm this?

Received 1500 MMT cash within 1 month of getting the card and redeemed also for flight booking. Please call ICICI customer care or email them. Don’t leave it so easily.

Enjoyed O2 Spa foot reflexology 30 minutes session at Hyderabad Airport couple of weeks back. Dreamfolks DragonPass lone complimentary spa session per year is what makes this card worthy.

Per year is each membership year or calendar year?

Also, how many cards does ICICI Bank allow you to hold at a time? Is it possible to hold more than 1 co-branded card?

Calender year. I have two. MMT & Amazon, both are co-branded.

make my trip offers icici credit card

satish. limit is shared or separate?

For my MMT n Amazon Pay card it’s shared, though it might be confusing at times as available limit shown after any spend is independent.

I have 3 icici cards- MMT signature, Rubyx & amazon pay- All are ltf

How did you manage to get MMT signature as LTF?

Mmt icici cards r LTF after u pay onw time joining fee

Hi GTMAX, They have predefined list of corporate for ltf cards, Hence when I requested this card through phone, They delivered it within 5 days, but it was MMT platinum. So I requested again for signature variant, So they sent again this time in 2 days. So I have got 2500+2000 lemon tree hotel vouchers which I already used for 2 different bookings as that voucher is part of welcome kit. They also credited 1500 mycash as joining benefit even though there is no joining fee charged.Doubleblack membership though I may not get, As I am already a member though no complaints lol. Seems like there is no way for MMT to know pricing of this card so might be a loophole.

nikhil, shared limit or separate limit in all 3 cards?

Hi Ashish, Amazon pay & Rubyx had same limits but definitely not shared because later on I got LE on rubyx but not on amazon. MMT signature has different limit which is highest among 3

make my trip offers icici credit card

I got amazon pay icici card after adding my MMT icici credit card details to amazon website and got approved with in no time without any documents collection or any telephonic/physical verification and got card on hands in 3days. To my surprise, until MMT card details, though I was getting application for amazon pay card, the app was showing my city as not serviceable. This is the loyalty of Existing relationship. By the way, I got individual same limits on both cards but not shared as oppose to icici credit card policy.

I have a LTF Rubyx card basis that list of corporates provision. Didn’t know that was also applicable on MMT cobrand cards.. You applied for this card over the phone??

Due to using Amazon Pay credit card, I didn’t use my MMT Platinum since 1year at all which have same limits of 35k. As my city is unserviceable to Amex cards, I place a new request for ICICI HPCL CORAL AMEX CARD basis on shared Limit of my existing MMT Platinum card. 😍 But, to my surprise I got an LE from 35k to 1lac overnight on my MMT card displayed on i-mobile app. My ICICI HPCL AMEX card approved as well. Don’t know abt sanctioned limit till card delivered. Based on this, again today I called to CC to request for LE of Amazon Pay card but denied saying that customer can’t request for LE on Amazon Pay card. Bank will offer the LE automatically.

make my trip offers icici credit card

I Got an offer to upgrade to either Sapphiro or MMT Signature. I chose the later one because the Sapphiro has such poor rewards rate and annual fee of 3500+tax doesn’t make sense to me.

make my trip offers icici credit card

Now they are giving MMT holiday voucher instead of the lemon tree hotel voucher.

Any practical experience with the holiday voucher? Is it any good?

make my trip offers icici credit card

Did you receive voucher with the card, how was your experience about the fees/charges in your first Statement

Yeah, received within the card envelope. But I don’t find it much useful because most of the MMT holiday packages are costly. 2500 hardly covers anything.

About fees, it charged 2500+gst I guess. They created 1500 back in MMT wallet after 2 months of payment. And received an MMT black membership coupon as well.

make my trip offers icici credit card

Was charged 750 plus gst for using the Dreamfolks icici mmt card in 02 spa in Mumbai in card statement? Don’t know why ? when called customer care they are saying minimum 5000 Rs spend to made in calender quarter for free Domestic Airport Lounge access. But This Spa service is from Dreamfolks right without any conditions as far as I remember when I took the card.

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ICICI MakeMyTrip Signature Credit Card Review

Bhavye Goel

ICICI MakeMyTrip Signature credit card is the superior of the two co-branded cards that the bank offers in collaboration with MMT. This card has recently undergone many changes in the welcome benefits that it offers.

So, Read on to find out whether you should apply for this card or not!

  • 1 Charges and Welcome Benefits
  • 2 Reward Accrual
  • 3 Milestone Benefits
  • 4 MMT Black Membership
  • 5 Airport Lounge Access
  • 6 Airtel International Roaming Pack
  • 8 BookMyShow and INOX offer
  • 9 Fuel Surcharge Waiver
  • 10 TechnoFino Recommends

Charges and Welcome Benefits

  • MakeMyTrip cash is 100% usable and will be credited to the Cardholder’s designated MakeMyTrip My Wallet within 45 business days post payment of the Joining Fee.
  • My Cash cannot be used for rail, offline holiday bookings, and ‘Pay at Hotel’ bookings.
  • MMT Holiday voucher can be used for booking domestic or international holiday packages and is a part of its welcome kit and is valid for 12 months.

The T&Cs attached with the holiday voucher are very vast and I am not including them all here so better to read them in detail before applying from ICICI Bank’s website. From a value point of view, the holiday voucher will give you almost no value if you are a completely do-it-yourself traveller. The welcome benefits I would say are very poor since generally, all banks give rewards equivalent to that of the joining fees paid.

Reward Accrual

  • *No reward points on fuel transactions.
  • 1 My Cash in MMT my wallet = 1 INR and is 100% usable when used to make travel bookings or to purchase partner vouchers through MakeMyTrip.
  • My Cash earned will be added to the Primary Cardholder’s MakeMyTrip account within 45 Business Days of the monthly credit card statement generation

The reward structure is very dull and in line with the other lacklustre ICICI Bank credit cards. Since it’s LTF so why bother spending on this card?

Milestone Benefits

  • Spend Rs 2.5 Lakh using the MakeMyTrip ICICI Bank Signature Credit Card and earn 1,100 My Cash each anniversary year.
  • Spend Rs 5 Lakh using the MakeMyTrip ICICI Bank Signature Credit Card and earn 4,000 My Cash each anniversary year.

These milestone benefits add a good value to the existing reward structure that inflates the reward rate by 1% but I wonder why will anyone spend this much on this card.

MMT Black Membership

Currently, you get an annual MMT Black Exclusive Membership for the first year which gives you the following key benefits:

  • 10% or 15% additional discount on select participating hotels, applicable over & above other discounts.
  • MMTBLACK Hotel Privileges such as free room upgrades, early check-ins, and hotel-specific discounts on food, beverages, spas, and other offerings(subject to availability).
  • My Cash is worth Re 0.75 for every Rs 100 spent on flight bookings and My Cash is worth Rs 1.5 for every Rs 100 spent on all other bookings (Rail, Metro, and Visa not included).
  • Exclusive Care—a premium Customer Care helpline.
  • Year-round benefits from MakeMyTrip Partners.
  • Access to the MMT BLACK Fest.
  • MMTBLACK Flight Privileges such as free Meals@Airports (at select restaurants), discounted airport transfers, and free seat selection.

For continuing this benefit membership you need to spend more than Rs 2L on MMT in the next 12 months else your membership will be degraded to either MMT Black Preferred or Elite. For upgrades, the spending is counted after every travel booking irrespective of the tier enrolment date whereas for a downgrade it is counted only after 12 months of the last upgrade or downgrade.

If your spending in the last 12 months is less than Rs 30,000, you will no longer remain a member of the MMT BLACK Programme. Post this, if you complete the travel for a booking made through the MakeMyTrip platform, which is greater than or equal to Rs 30,000, then you will be re-instated to the Preferred Tier or higher Tier, the basis spends done at MakeMyTrip.

Earlier they used to offer free cancellation of flight bookings under the MMT Double Black program which was a very lucrative offer but sadly has been discontinued.

Airport Lounge Access

International Airport Lounge Access: The card member will also get 1 complimentary visit and 1 domestic airport spa access per year with Dreamfolks Card, which is available upon request. Only one Dreamfolks card will be provided with this card.

In a spa, you can either get foot reflexology, a head or shoulder massage, or an upper back massage for 30 mins.

Domestic Airport Lounge Access : The Card Member will get 2 complimentary access per quarter by spending Rs 5,000 in the previous calendar quarter.

The domestic lounge access with that condition attached is not appealing enough but what makes this card work is the Dreamfolks Card and the international lounge and spa benefits that come with it considering the LTF pricing of this card.

Railway Lounge Access: The Card Member will get 2 complimentary railway lounge access/quarter at the participating lounges in India. This benefit is limited only to the primary cardholder. Intrigued enough to know about what is a railway lounge? Get to know everything about them here .

Airtel International Roaming Pack

  • You are eligible to get a 10-day complimentary international roaming pack worth up to ₹3999 on booking an international flight/hotel on MakeMyTrip using the MakeMyTrip ICICI Bank Signature Credit Card. The Offer shall be available only to Airtel Post-paid Mobile subscribers.

. This offer can give you a good amount of savings on your next international trip.

MakeMyTrip Signature

Looks like another good offer but since I haven’t used this service so can’t really comment on the service part.

BookMyShow and INOX offer

You get a 25% discount, a maximum of up to Rs 150 on the purchase of a minimum of two tickets per transaction. The maximum discount amount will be INR. 200/- per transaction. You can avail of this benefit two times a month on BookMyShow and Inox individually.

But you can pass this offer if you have better cards with you since the Buy1Get1 offer is standard on many cards.

Fuel Surcharge Waiver

A 1% fuel surcharge will not be applicable on fuel transactions of up to Rs. 4,000 at HPCL pumps if the Card is swiped on ICICI Merchant Services swipe machines.

TechnoFino Recommends

Since I also wanted to get an ICICI card as my ICICI Amazon Pay was excluded from most of the online sale offers so I went ahead with this one since it was offering complimentary railway lounge access and a Dreamfolks pass which was a unique addition to my cards portfolio at that time. When I got this card they offered me an MMT Double Black membership which came with free ticket cancellation, luckily I was able to use it that year and my whole fee was almost utilized. Further, they offered a Lemon Tree Hotel Voucher worth ₹2,500.

Most of the ICICI bank credit cards are poorly rewarding and it makes sense to get only an LTF Card from its stable. So most people either try to get their premium cards LTF using their relationship with the bank or simply get their humble Platinum card. So if you are planning to get hold of an ICICI card then I would suggest you go for this card instead of an ICICI Coral or an ICICI Platinum till you get hold of any of their premium cards. And since ICICI allows you to hold their complete portfolio of cards at once there is no problem in retaining this for life and getting another card anytime later.

Are you having this LTF credit card from ICICI Bank? How has been your experience related to the unique services it offers?

make my trip offers icici credit card

Chief Editor, TechnoFino. Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.

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[…] Lounge Access In India from where you can get to know about the eligible ICICI cards.I used my ICICI MakeMyTrip Signature Credit Card for complimentary access and it was gladly accepted. A simple authentication of ₹2 on my card was […]

Think the humble Platinum is fine enough I was offered an upgrade to the MMT card from Platinum. ICICI reward system is usually poor, but for a cobranded card, this is one of the most pathetic offering. Don’t even understand the very point of this card!

Regarding the dedicated phone number, have you tried it for queries on flight bookings.

In goibibo, they have blocked the option to talk to customer care for flight bookings and simply disconnect the call after making the announcement to visit their website for more information.

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MakeMyTrip ICICI Bank Platinum Credit Card vs ICICI Bank Coral Credit Card

makemytrip icici bank platinum credit card

MakeMyTrip ICICI Bank Platinum Credit Card is a co-branded travel card for which MakeMyTrip and ICICI Bank have partnered with each other. With this credit card, the cardholders will get rewards in the form of My Cash which can be redeemed for booking hotels, flights, and holiday bookings on MakeMyTrip. Apart from this, the credit cardholders will get My Cash and holiday vouchers in the form of welcome benefits and also when they achieve spends in an anniversary year.

The cardholders will also get a discount while they book tickets on BookMyShow and INOX. As travel benefits, the cardholders will also get complimentary access to domestic airport lounges and railway lounges every quarter. With this credit card, the cardholders will only have to pay a joining fee of Rs. 500 and no renewal fee needs to be paid.

makemytrip icici bank platinum credit card

On the other hand, the ICICI Bank Coral Credit Card is a basic but popular credit card offering generous reward points across various categories such as travel, dining, and entertainment. This credit card is offered in 3 variants namely Visa, MasterCard, and AmEx, and the prospective cardholders have the freedom to choose from the options available.

The cardholders earn reward points with this credit card and will also get bonus reward points on achieving a particular spending amount in an annual year. This card also offers amazing discounts while booking movie tickets in BookMyShow and INOX and discounts on dining bills while dining at the partnered restaurants. You may also get complimentary access to the domestic lounges in a calendar quarter. The cardholder has to pay a joining and renewal fee of Rs. 500 on this credit card which can be waived on the basis of your spends.

Both the credit cards by ICICI Bank are quite decent credit cards but quite different credit cards as one is a normal credit card and the other one is a co-branded credit card. But they both provide quite unique rewards and benefits to their members. Now let us discuss both the credit cards in detail to have a better and clear understanding of the cards.

MakeMyTrip ICICI Bank Platinum Credit Card

A co-branded credit card by ICICI Bank, the MakeMyTrip ICICI Bank Platinum Credit Card is best suited for those who are quite frequent travelers. This credit card offers huge My Cash to the cardholders while they normally spend using their credit card and accelerated My Cash while they spend on travel-related bookings and that too on MakeMyTrip. Additionally, the cardholders can earn discounts while they book movie tickets on BookMyShow or INOX and exclusive discounts while dining at the partnered restaurants. The following are the details and features that come along with the MakeMyTrip ICICI Bank Platinum Credit Card –

  • The cardholders will get a holiday voucher from MakeMyTrip worth Rs. 3,000 and Rs. 500 My Cash as a welcome benefit to this credit card. The cardholders will get these benefits once the cardholder has paid the joining fee on the credit card.
  • With the MakeMyTrip ICICI Bank Credit Card, the cardholders will get My Cash as per the following table :
  • The cardholders will get exclusive discounts on the dining bills while they enjoy delicate cuisines at the partnered restaurants under the ICICI Bank Culinary Treats Program.
  • The cardholders will get a 25% discount (up to Rs. 100) on the booking of 2 movie tickets in a single transaction on BookMyShow and INOX. The cardholders can avail this benefit for a maximum of two times in a month.
  • You get 1 complimentary railway lounge access every quarter.
  • With MakeMyTrip ICICI Bank Platinum Credit Card, the cardholders will get 1 complimentary domestic lounge access only if the cardholders are able to spend a sum of Rs. 5,000 using their credit card in the previous quarter.
  • As a milestone benefit, the cardholders will get Rs. 1,000 My Cash if the cardholder successfully spends Rs. 2.5 Lakhs using his credit card in an anniversary year.
  • You are entitled to receive Rs. 1,000 My Cash Points each anniversary year if the cardholder spends Rs. 50,000 on flights/hotel/holiday bookings through MakeMyTrip Website, mobile application or mobile site.
  • The cardholders will also get a fuel surcharge waiver of 1% on a maximum transaction of Rs. 4,000 at all HPCL fuel stations across India.
  • The joining fee of this credit card is placed at Rs. 500. The cardholders do not have to pay any renewal fee on the credit card and can continue to enjoy the benefits that pertain to this credit card.
  • The My Cash that the cardholders will earn with this credit card can be redeemed on the MakeMyTrip website or mobile application for booking flight/holiday/hotel bookings.
  • For redemption purposes, 1 My Cash = Re. 1.

Read More: ICICI Bank Coral Credit Card vs ICICI Bank Rubyx Credit Card

ICICI Bank Coral Credit Card

ICICI Bank offers the ICICI Bank Coral Credit Card in 3 variants, i.e., Visa, MasterCard, and American Express. The applicants are free to choose from any of the variants as per their needs. This credit card provides reward points on all the spends made using this credit card, even on insurance-related spends. The cardholders can also earn huge reward points as a milestone benefit with this credit card. Furthermore, you can also enjoy discounts while booking movie tickets and enjoying meals at the partnered restaurants. Also, the cardholders will also get complimentary access to the domestic airport lounges and railway lounges. Following are the detailed benefits and features of this credit card –

  • The cardholders will get 2 Reward Points for every Rs. 100 spent on all transactions using this credit card. This includes all transactions except for the amount spent on fuel transactions.
  • You get 1 Reward Point for every Rs. 100 spent on utilities and insurance categories.
  • The cardholders will get a discount of 25% or Rs. 100 (the lower of the two) on the purchase of a minimum of 2 movie tickets on INOX and BookMyShow. This offer can be availed 2 times in a month and is subject to the availability of seats.
  • Under the ICICI Bank Culinary Treats Program, the cardholders can enjoy all the delicate cuisines by availing a 15% on the dining bills while eating at the 2500+ partnered restaurants.
  • With ICICI Bank Coral Credit Card, you get 1 complimentary access to the domestic airport lounges on a minimum spend of Rs. 5,000 in the previous calendar quarter.
  • Also, the cardholders will get 1 complimentary access per quarter to the railway lounges in India.
  • As a milestone benefit with this credit card, you get additional 2,000 reward points on achieving spends of Rs. 2 Lakhs in an anniversary year and 1,000 Reward Points thereafter for every Rs. 1 Lakh spent using the ICICI Bank Coral Credit Card in an anniversary year.
  • The maximum reward points that a cardholder can earn under milestone benefits is capped at 10,000 Reward Points in a year.
  • The cardholders can also enjoy a fuel surcharge waiver of 1% on fuel transactions up to Rs. 4,000. This is applicable only to all HPCL fuel stations across India.
  • The ICICI Bank Coral Credit Card comes with a renewal fee of Rs. 500 which can be waived if the cardholder spends any amount above Rs. 1.5 Lakhs in an anniversary year.
  • The reward points earned with this credit card can be redeemed against a variety of products available on the website. These reward points can also be redeemed against cash.
  • For redemption purposes, 1 Reward Point = Rs. 0.25.

Quick Comparison

Now that we have discussed the features of both the cards individually, let us now have a quick comparison between The MakeMyTrip ICICI Bank Platinum Credit Card and The ICICI Bank Coral Credit Card-

Bottom Line

MakeMyTrip ICICI Bank Platinum Credit Card is a travel credit card that provides various attractive travel benefits to its members. The cardholders can earn reward points on their regular spends and accelerated reward points while they spend on travel categories on MakeMyTrip Website, mobile site, and mobile application.

As a travel benefit, the cardholders will get complimentary access to the domestic airport lounges and railway lounges in India. As some additional benefits, the cardholders will get discounts on movie bookings through BookMyShow and INOX, discounts on dining bills, and also a fuel surcharge waiver on fuel transactions at HPCL fuel stations. Furthermore, the cardholders will also get additional My cash in the form of milestone benefits. The cardholders just have to pay Rs. 500 as a joining fee on this credit card.

On the other hand, the ICICI Bank Coral Credit Card, being a basic credit card is still popular among people because of the benefits and features that this credit card provides. This credit card comes with a decent reward structure providing the cardholders with reward points across almost every category. Also, the credit card provides with complimentary access to domestic airport lounges and railway lounges. Additionally, this credit card provides various other benefits such as milestone benefits, movie and dining benefits, etc.

This credit card comes with a joining and renewal fee of Rs. 500 which can be waived on the basis of the amount that you spend during an anniversary year. The MakeMyTrip ICICI Bank Platinum Credit Card will be best suited for those people who are quite frequent travelers. But the cardholders will have to analyze their own spending pattern and the benefits and advantages that the credit card provides and then choose the one he wants to opt for.

For any more queries related to these cards, please feel free to ask us in the comment section below!

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Yatra Online, Inc is the parent company of Yatra Online Limited (formerly known as Yatra Online Private Limited). which is based in Gurugram, India, and is India's leading Corporate Travel services provider with over 700+ Corporate customers, and one of India's leading online travel companies and operates the website Yatra.com. The company provides information, pricing, availability, and booking facility for domestic and international air travel, domestic and international hotel bookings, holiday packages, buses, trains, in city activities, inter-city, and point-to-point cabs, homestays, and cruises. As a leading platform of accommodation options, Yatra provides real-time bookings for more than 103,000 hotels in India and over 1,500,000 hotels around the world. Launched in August 2006 , Yatra was ranked the Most Trusted E-Commerce Travel Brand in India in the Economic Times Brand Equity Survey 2016 for the second successive year, and has won the National Tourism Award for 'Best Domestic Tour Operator (Rest of India)' conferred by the Government of India for the fourth time.

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How a Travel Credit Card Can Be Your Ticket to Big Savings

Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Next time you're planning a vacation, a travel credit card could defray some or all of the costs if it packs the right incentives. Typically, cards with higher annual fees provide the most value with perks like ongoing rewards, free checked bags, airport lounge access or other benefits. But even cards with low or no annual fees make it possible to earn some value toward travel, if you can qualify.

These cards generally require good credit (scores of 690 or higher), and even if you're eligible, it's not worth pursuing one if you can't pay off the credit card bill in full every month to avoid steep interest charges. And if you're working toward paying down existing debt, it might not be worth chasing points and miles until you've made progress on that front.

But as long as travel credit cards align with your financial goals, their potential savings merit consideration — even if you travel just once or twice per year. Explore the flexibility of a general-purpose travel credit card to book travel anywhere, or a branded credit card to book travel with a favorite hotel or airline. Either option may offer money-saving benefits toward your next trip.

Valuable features can lower costs

Offers will vary among general-purpose travel credit cards and airline- or hotel-branded credit cards, but some savings opportunities may include:

If a credit card offers a lengthy list of perks, the value can quickly add up. Here are some features to look out for:

A sign-up offer: Travel credit cards generally come with lucrative sign-up offers that let new cardholders earn a pile of points or miles by meeting a minimum spending requirement. It’s easier to snag if you can strategically time a credit card application around planned purchases during a heavy-spend month or season.

Free checked bags: Some airline credit cards offer free checked bags , which can add up to real savings when applied per person on a round trip. This is one way that Doug Figueroa, a content creator at the YouTube channel Zorito y Doug, makes up the cost of the $150 annual fee on an airline credit card. “The savings are $70 round trip per passenger listed in the same reservation,” he says. 

TSA or Global Entry credit : Some travel cards issue a credit (up to $100) when you use them to pay for a TSA or Global Entry application fee. These expedited airport security screening programs can save time while traveling.

Travel credits: Depending on the card’s terms, travel credits may be used to save money on a variety of travel expenses like rideshare services, airfare or accommodations. 

Airport lounge access: You can skip the pricey airport food with some travel credit cards that offer complimentary airport lounge access . Austin Maxwell, a South Carolina-based content creator at the blog The Maxwells Travel, uses a travel credit card to avoid those costs. “I’m saving $20 to $30 every time I go to the airport because I don’t have to buy food or drinks during a layover or preflight,” he says.

A companion ticket: Some airline credit cards cover the cost of a ticket for a friend or family member. Depending on the card's terms, you may have to pay taxes and fees on the fare, the companion ticket may have an expiration date and/or a spending requirement may apply.

Automatic elite status: You may earn elite status without much effort on some hotel-branded credit cards. Elite status can add up to valuable savings if the program offers free food, bonus points or suite upgrades.  

Free nights: If your favorite hotel has a branded credit card that offers annual free night awards, it can stretch your vacation budget. 

Protections and other benefits

A travel credit card that offers trip delay or cancellation insurance, lost baggage insurance, rental car coverage or other protections may also be of value to you. To qualify for these benefits you typically need to pay for the trip or covered purchase with the eligible credit card. Read the terms carefully to understand the extent of your coverage.

Figueroa says he saved $90 over three days with his card’s primary rental car coverage on a trip to Miami.

“Once you make the online reservation, you must decline all insurance offered by the rental company and pay for everything with your [card],” he says.

High-value reward redemptions

Points or miles on some travel credit cards might lose value if they are used for non-travel redemptions like cash back, gift cards or other options. Travel redemptions typically offer the best value, and you might squeeze out even more value with a general-purpose travel card that allows points to transfer to airline or hotel partners. It’s a strategy that Maxwell uses often to his advantage.

“It’s even better if there’s a transfer bonus associated with that," he says. "Credit card companies offer transfer bonuses — 15%, 20%, 30% bonus — if you are to transfer points to a specific airline.”

He says he has also transferred points to hotel partners to book hotel rooms with them. “It would be the equivalent of getting a hotel room at $120 that’s actually valued at $500,” he adds.

To determine whether to redeem rewards for travel or transfer them to a partner, compare costs by checking the credit card’s booking platform and the partner’s website. Also factor in whether rewards transfer on at least a 1:1 ratio, meaning that you'll get the equivalent value in points or miles transferred.

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make my trip offers icici credit card

Is the Delta Platinum Amex worth it? For many, yes. Here’s how to be sure it’s right for you

make my trip offers icici credit card

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Delta recently revamped their credit card offering and made their Delta SkyMiles® Platinum American Express Card a lot more attractive to both casual and power users alike. Whether you’re a Delta frequent flyer or casual user, the card has a good value proposition for many different kinds of people. The card doesn’t have a terribly strong earning rate for rewards, but the ancillary benefits more than make up for that. This card could make sense to have and to hold, but not for necessarily everyday use.

Delta SkyMiles® Platinum American Express Card

See Rates and Fees

Intro Bonus

Reward rates.

  • 3x Earn 3 miles per dollar at hotels
  • 2x Earn 2 miles per dollar at restaurants worldwide and U.S. supermarkets.
  • 1x Earn 1 mile per dollar of eligible purchases.
  • Benefits for Delta flyers, like first checked bag free, MQD Boost and MQD earned through spending
  • Companion certificate good for a round trip domestic, Caribbean or Central American Main Cabin flight each year upon renewal of your card
  • 15% Discount on Award Tickets on Delta Flights
  • High annual fee
  • Limited travel insurance options
  • Companion pass comes with limitations
  • Statement credits toward Delta Stays, Resy and rideshare purchases
  • Consumer protections including cell phone insurance, extended warranty, and purchase protection

For whom is the Delta SkyMiles® Platinum American Express Card worth it?

One of the main reasons people consider an airline credit card is the perks that you can get by flying with the airline or rewards for using your card in everyday spending. This card shines with Delta Air Lines related benefits including checked bag waivers, priority boarding, achieving elite status, a companion pass for free travel, access to the upgrade list and more. 

The rewards earned aren’t great, but they’re also not subpar. Overall, it’s a good card for someone who wants to increase their relationship with one of the world’s largest airlines.

Someone pursuing elite status with Delta

Chances are that if you’re flying enough to take advantage of all the benefits of the Delta Platinum American Express card, you’re going to be knocking on the door of elite status soon. Simply holding the card will get you a $2,500 MQD (Medallion Qualifying Dollars) boost each year, enough to get you halfway to Silver Medallion status. 

If you’re racking up spend through purchases, you can also add $1 MQD for every $20 spent on the card. While it may not be a ton of MQDs, for every $10,000 spent on the card you’ll net $500 MQD.

People who can make use of the monthly rebates

Every month you’ll earn $10 in credit for rideshare services and $10 for Resy purchases in the U.S. There’s also a $150 credit that comes after booking a prepaid hotel or vacation package via the Delta Stays website. 

While the $150 comes in one fell swoop, the $120 for rideshare and Resy restaurants come in $10 monthly chunks, and if you don’t use them each month, you’ll lose them. If there are restaurants that participate in the Resy network nearby where you live, then this could be an easy redemption. Otherwise, make sure to not forget to use them every month.

People who are on Delta planes fairly often

If you’re a casual Delta flyer then you’re probably not considering applying for this card anyway, but it goes without saying that the person getting the most benefits from this card is someone who flies with Delta on the regular.

The companion pass that comes with the card is good for a round trip flight in the Main Cabin to the U.S., Mexico, the Caribbean, and Central America, so you can take a trip with a friend or loved one each year. You’ll earn miles and MQD for the trip as the primary cardholder but the guest will not be eligible to earn any miles.

The other fringe benefits of the card such as the TakeOff15 discount, free checked bags, priority boarding, complimentary Medallion upgrades and elite status boost will all benefit you only when you’re flying on Delta.

For whom is the Delta SkyMiles® Platinum American Express Card not worth it?

If you don’t think that you’ll be able to achieve elite status and you’re just looking for some basic flight benefits, the card might be a little too expensive and too powerful for the general user. Also, if you value using airport lounges when you travel, know that the card offers zero ability to enter the Sky Clubs in airports worldwide. In the past you had the ability to purchase day passes at a reduced rate, but that benefit has been discontinued.

Big Spenders

For those looking to spend multiples of tens of thousands of dollars a year, there are other personal cards that could provide more value. Apart from the 3 miles per dollar at hotels and the 2 miles per dollar at restaurants worldwide and U.S. supermarkets, 1 mile per dollar of eligible purchases.

There are many cards on the market that offer multipliers for all purchases no matter the source. The Capital One Venture X Rewards Credit Card earns 2x miles on everyday purchases and 10x miles on hotels and rental cars booked through Capital One Travel. The American Express® Gold Card earns 4X Membership Rewards® Points at restaurants (including takeout and delivery in the U.S.) and 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x), along with 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com, giving you the chance to earn potentially thousands more rewards each and every year.

To view rates and fees of the American Express® Gold Card , see this page . 

Travelers who value flexibility in your reward choices

All Delta credit cards from American Express earn only one type of reward, Delta SkyMiles. Those miles can be used on Delta flights and flights with the Delta partners, but offer poor redemption values elsewhere.

If you enjoy the flexibility of using your rewards on multiple airlines, hotels , or even just for cash back , you’ll want to consider a card that earns a flexible reward currency. Look for cards that earn Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou points, or Capital One Venture X Miles. All of these will allow you the flexibility to redeem however you like.

How to Maximize Rewards with the Delta SkyMiles® Platinum American Express Card

Since this card earns bonuses of 3 miles per dollar at hotels and 2X miles on dining, make sure that you’re pulling out this card to pay at all your hotels and restaurants. This will make sure that you’re earning as many SkyMiles as possible. Don’t forget that this card also works to earn 2X miles on supermarkets in the U.S., offering you the ability to earn even more.

Another pro tip is to set up alerts to remind you about using your monthly credits. You could set a reminder every 15th of the month telling you to “use my Delta Amex credits,” that way not a single one goes to waste.

Finally, don’t miss out on the welcome bonus. Currently there is a limited time offer of 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months. If you don’t hit this number, you will have missed out on a huge number of miles for your future travel. If you’re worried you are getting close but you don’t know how much more you have to spend, call the number on the back of the card or contact Amex via chat. They’ll be able to give you the amount you need to achieve your bonus.

The takeaway

While the annual fee might be a turn-off for many applicants, the benefits have the ability to strongly outweigh the price. Between the rideshare, restaurant, hotel, and Global Entry credits you’re earning well over the annual fee, a total of $490 back every year. Those credits don’t even take into account the money you’ll save by taking a friend or loved one with you on a vacation somewhere nice with the annual companion pass. Overall this card makes a solid choice for those looking to increase their flight benefits with Delta Air Lines.

Frequently Asked Questions

Is the companion pass difficult to use.

While there are certain restrictions on where and when you can use the pass, using it is quite simple. When you log into your Delta account the certificate will be automatically loaded for you in the “certificates and eCredits” section of the website. 

Simply make your booking like you would as normal, and the computer will automatically apply the certificate discount for you. Make sure to give yourself plenty of advance notice to get the best pricing and availability for flights.

How do I apply the Take Off15 discount?

There are no special promotion codes or special code to enter to use the 15% discount on Delta flights. When you are logged into your SkyMiles account, the system will automatically detect that you have a Delta SkyMiles Platinum credit card and the 15% will come off the top. If you’re not seeing the discount, make sure that you’re redeeming for Delta flights and not for one of their partners.

Do the miles I earn with the credit card expire?

There’s no rush to use the miles you earn since Delta got rid of their expiration of their SkyMiles quite some time back. This gives you the chance to build up a balance to save for the flight of your dreams without feeling the FOMO of having to use your miles before a certain date.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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  8. MakeMyTrip ICICI Bank Platinum Credit Card

    The rewards program of the MakeMyTrip ICICI Bank Platinum Credit Card is as mentioned below in the table: Spends Category. My Cash (per Rs. 200 spent) Hotel/holiday bookings on MMT. Rs. 3. Flight bookings on MMT. Rs. 2. International spends outside MMT. Rs. 1.25.

  9. International Flight Offers, Coupons & Deals

    With MakeMyTrip ICICI Bank Credit Cards! T&C's Apply. Book Now. domestic & international flights + stays. AVAIL: Up to 15% OFF* + Interest-free EMI on. T&C's Apply. Book Now. on flights, hotels and holiday packages for pocket-friendly travel bookings. Grab Up to 35% OFF* + Additional Savings on EMI.

  10. MakeMyTrip ICICI Bank Signature Credit Card

    The MakeMyTrip ICICI Bank Signature credit card, issued by ICICI Bank, is a co-branded card that offers exceptional travel advantages in conjunction with MakeMyTrip. The card is provided for a membership fee of Rs. 2,500 and comes with attractive welcome gifts such as Rs. 1,500 in My Cash and a Rs. 2,500 MakeMyTrip trip voucher.

  11. Makemytrip ICICI Bank Platinum Credit Card

    Features and Benefits of Makemytrip ICICI Bank Platinum Credit Card. Get a joining benefit of Rs.500. The welcome kit includes a voucher from Lemon Tree Hotels worth Rs.2,000 and 500 My Cash. You shall receive the joining benefit after 45 working days from the date of joining fee payment. Earn as much as 5,000 My Cash or reward points.

  12. MakeMyTrip ICICI Bank Platinum Credit Card

    MakeMyTrip ICICI Bank Platinum credit card is one of the basic entry-level credit cards from ICICI Bank. It is issued with a joining fee of Rs 500, but there is no annual fee from the second year onwards. The joining fee is compensated with Rs 500 MakeMyTrip cash making the MakeMyTrip ICICI Bank Platinum credit card as good as LTF.

  13. ICICI Bank Make Mytrip Platinum Credit Card

    Make your travel dreams a reality with the MakeMyTrip Platinum credit card. Enjoy exclusive offers and benefits on flights, hotels, and more. Apply now! ... ICICI Bank Card Offers: View Offers. Total Cards: 1,67,97,580 View ICICI Bank Cards. ICICI Bank Credit Card News. 23 Mar 2024, Saturday. 1. ...

  14. MakeMyTrip ICICI Bank Credit Card

    MakeMyTrip ICICI Bank Signature Credit Card. Get Rs 1,500 My Cash plus Complimentary MMTBLACK Exclusive membership, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining. Enjoy complimentary international and domestic airport lounge access # and domestic railway lounge access. Get an extended validity of 1.5 years^ on Joining Benefit My Cash.

  15. MakeMyTrip ICICI Bank Signature Credit Card Review

    117 Comments. This is a review by our reader Satish Kumar Agarwal who recently got hands on MakeMyTrip ICICI Bank Visa Signature Credit Card. Over to him: The current position of ICICI bank in credit card segment doesn't do justice compared to its banking business. And much to our delight they are now looking more aggressive with the credit ...

  16. MakeMyTrip App Travel Mondays Offer

    5,000. MakeMyTrip ICICI Bank Credit Cards only. Steps to avail the offer: The offer is valid for bookings made every Monday from Oct 03, 2023 <00:00> hours till Dec 25, 2023 23:59 hours. To avail the offer enter 'MMTFLYMON' in the E-Coupon field. The offer is valid on the 1 st booking per card per calendar month using the above offer code ...

  17. ICICI MakeMyTrip Signature Credit Card Review

    Editor's note: This is a recurring post, regularly updated with new information and offers. Last Updated 15th May 2023. ICICI MakeMyTrip Signature credit card is the superior of the two co-branded cards that the bank offers in collaboration with MMT.

  18. MakeMyTrip ICICI Bank Signature Credit Card

    Experience the joy of travelling with the MakeMyTrip ICICI Bank Signature Credit Card, your passport to exclusive travel rewards and privileges. Designed with the frequent traveller in mind, this co-branded card, issued for a nominal membership fee of Rs. 2,500, offers an attractive welcome gift of 1,500 My Cash and a MakeMyTrip trip voucher ...

  19. Standard Chartered EaseMyTrip Credit Card Vs. MakeMyTrip ICICI Bank

    The Standard Chartered EaseMyTrip card charges a lower annual fee of Rs. 350, in comparison to the ICICI MakeMyTrip PlatinumCard that charges Rs. 500. However, the EaseMyTrip credit card offers no welcome benefit. This is a drawback as various zero annual fee cards such as HSBC Visa Platinum offer introductory benefits at Nil joining fee.

  20. MakeMyTrip ICICI Bank Platinum Credit Card vs ICICI Bank Coral Credit Card

    A co-branded credit card by ICICI Bank, the MakeMyTrip ICICI Bank Platinum Credit Card is best suited for those who are quite frequent travelers. This credit card offers huge My Cash to the cardholders while they normally spend using their credit card and accelerated My Cash while they spend on travel-related bookings and that too on MakeMyTrip.

  21. ICICI Credit Card Yatra Offer

    Sale with ICICI Bank Credit Cards on flights, domestic hotels and bus. Flat 12% OFF (up to Rs. 1,500) on domestic flights, Flat 10% OFF (upto Rs. 5,000) on international flights, Flat 15% OFF (upto Rs. 5,000) on domestic hotels and Flat 10% OFF (upto Rs. 500) on bus.Hurry ! This offer is valid on every Tuesday, between Jan 2 - Mar 26, 2023.Use YRICICICC for ICICI Bank Credit Cards.

  22. ICICI Credit Card Offers on EaseMyTrip

    How to Avail: Offers on EaseMyTrip. To avail of these tempting discounts on flights and hotels, follow these simple steps: Use the promo code ICICIEMT during the booking process. The offer is valid only on Saturdays until March 31, 2024. Open to all users, the offer is exclusively for transactions made using ICICI Bank Credit Cards.

  23. ICICI Bank Diamant

    'ICICI Bank Credit Cards Experience' is an exclusive privilege programme specially designed to provide superior value and benefits relevant to your lifestyle choices. The selection of offerings include access to private islands, yachts, jets and luxury hotels along with benefits across categories like golf, travel and entertainment, each ...

  24. ICICI Bank credit cards: What are the changes

    ICICI Bank is set to implement changes to the airport lounge access benefits across several of its credit cards starting from April 1, 2024 According to the ICICI Bank website, "Starting Apr 01, 2024, you can enjoy One complimentary airport lounge access by spending Rs. 35,000 in the preceding calendar quarter.

  25. How a Travel Credit Card Can Be Your Ticket to Big Savings

    Free checked bags: Some airline credit cards offer free checked bags, which can add up to real savings when applied per person on a round trip.This is one way that Doug Figueroa, a content creator ...

  26. Is the Delta Platinum Amex worth it? For many, yes. Here's ...

    The companion pass that comes with the card is good for a round trip flight in the Main Cabin to the U.S., Mexico, the Caribbean, and Central America, so you can take a trip with a friend or loved ...

  27. Chase Freedom Rise Review 2024

    The Chase Freedom Rise * 's combination of no annual fee, no required deposit, and unlimited 1.5% cash back on every purchase make it a competitive offer amongst credit-building cards.It offers ...