MakeMyTrip ICICI Bank Signature
KeepLifetime-free after the ₹2,500 door charge — and the door is bricked up.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: MMTBLACK Platinum tier + a MakeMyTrip holiday voucher up to ₹2,500 — one-time, on joining. CLOSED TO NEW APPLICATIONS.
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #680
Why #680 Closed to new applications — held low on principle even though zero recurring cost makes it a genuine keep for the people who already have it.
The take
ICICI stopped taking applications for this one, which turns it from a shopping question into a keep-or-close question — and the answer is keep. After the one-time ₹2,500 joining fee the annual fee is nil, forever, and nil is a hard number to argue with. For that you hold eight domestic lounge visits a year (two a quarter, gated at ₹75,000 of prior-quarter spend), one international Priority Pass visit a year, a railway lounge visit every quarter, and MMTBLACK Platinum status. The earn is where it shows its age: everything is priced per ₹200, not per ₹100 — 4 myCash on MMT hotels and holidays (2%), 2 on MMT flights (1%), 1.5 on international (0.75%), 1.25 on everything else (0.625%). The newer ₹999 MakeMyTrip ICICI card earns per ₹100 and charges 0.99% forex; this one earns half as much and charges 3.5%. What redeems it is the milestone ladder ICICI still honours for holders — ₹1,100 of myCash at ₹2.5L of spend and ₹4,000 more at ₹5L, so ₹5,100 a year on a card with no annual fee at all. So: never take it abroad, never make it your primary swipe, and never close it. A free card with eight lounge visits and ₹5,100 of milestones is not a card you cancel.
Your renewal — keep, downgrade or cancel
This card charges nothing at the anniversary — its one fee was taken at issue. There is no renewal decision to make; keeping it costs ₹0 a year.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0/yr · ₹2,500 joining (one-time)
At your spend
₹2,900 a year at ₹3,00,000 of annual spend
₹8,600 a year at ₹6,00,000 of annual spend
₹12,200 a year at ₹12,00,000 of annual spend
₹26,300 a year at ₹36,00,000 of annual spend
₹40,400 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
ICICI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 10 Sep 2026 ICICI's September lounge list drops four doors and adds Bhogapuram issuer-wide
- 29 Aug 2026 ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in issuer-wide
- 1 Jul 2026 ICICI's lounge-gate exemption expires for Adani One and MakeMyTrip issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Annual fee NIL — lifetime-free after the one-time ₹2,500 joining charge
- ₹5,100 of milestone myCash a year: ₹1,100 at ₹2.5L of spend, ₹4,000 at ₹5L
- 8 domestic lounge visits a year + 1 international Priority Pass visit
- 1 railway lounge visit every quarter
- MMTBLACK Platinum tier + up to ₹2,500 MakeMyTrip holiday voucher on joining
Watch out
- Closed to new applications — ICICI's own page says so
- Everything earns per ₹200, not ₹100: base spends are 0.625%, MMT flights just 1%
- Milestone myCash needs ₹2.5L and ₹5L of spend on a card you shouldn't be spending on
- 3.5% forex — the newer ₹999 MMT ICICI card charges 0.99%
- myCash is a closed MakeMyTrip wallet: no transfers, no cash-out, per-booking caps
- Domestic lounges need ₹75k of prior-quarter spend to unlock
What these points actually fly
No live transfer route takes MakeMyTrip myCash into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
5 sourced rules · 4 pay zero
Closed to new applications and modelled for holders. Earns myCash at ₹1.25 per ₹200 domestic. The MITC names this variant twice and both times to EXCLUDE it from a benefit the flagship MakeMyTrip card gets: the 0.99% forex markup and the 0.99% DCC fee are both "Not applicable on MakeMyTrip ICICI Bank Signature Credit Card". The cap tables never name it, so no utility/insurance/grocery ceiling is published.
- Fuel · excluded Zero myCash under the MITC's blanket fuel exclusion — the four-card exception list names the MakeMyTrip ICICI Bank Credit Card, not the Signature variant
- Rent & property management · excluded Zero on every ICICI card (MCC 6513), plus the 1% rent-pay fee
- Wallet loads · excluded Zero under the E-Wallet Reload exclusion (MCC 6540); 1% fee on loads of ₹5,000+
- EMI conversions / merchant EMI · excluded EMI, balance transfer and PLCC spend earns nothing
Does your spend count toward the milestones?
not published — and we say which
₹2,50,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. ICICI Bank states what the MakeMyTrip ICICI Bank Signature earns and does not earn, but has not published which spend categories count toward the milestones — the ₹2,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
756 of 793 tracked doors
Gate: ₹75k prior-quarter spend (airport visits)
Opens 756 of 793 tracked lounge doors across 294 airports and 19 railway stations , via Priority Pass India, Priority Pass Global, DreamFolks Railway — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You can't. ICICI's product page carries the line "We are no longer accepting applications for MakeMyTrip ICICI Bank Signature Credit Card". The live replacement is the ₹999 MakeMyTrip ICICI Bank card, which ships as a Mastercard + RuPay pair, earns per ₹100 instead of per ₹200 and charges 0.99% forex — strictly better on earn, strictly worse on fee. Existing Signature holders should think hard before swapping: nil annual fee is the one thing the new card can't match.
ICICI Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official ICICI Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
CLOSED TO NEW APPLICATIONS — ICICI's product page states "We are no longer accepting applications for MakeMyTrip ICICI Bank Signature Credit Card" (verified 2026-07-25). Joining ₹2,500; ANNUAL FEE NIL, so it is lifetime-free once held. Earn is per ₹200, not per ₹100: 4 myCash on MMT hotels, 2 on MMT flights, 1.25 on other domestic spends. 8 domestic lounge visits/year (2 per quarter, gated at ₹75,000 prior-quarter spend) + 1 international visit/year via Priority Pass (applications after 15-Nov-2024) or DreamFolks (earlier holders) + 1 railway lounge visit per quarter. Welcome: MMTBLACK Platinum tier + MakeMyTrip holiday voucher up to ₹2,500. 1% fuel-surcharge waiver on ₹400–₹4,000 at HPCL. Distinct from icici-makemytrip (the live ₹999 dual Mastercard+RuPay card, which earns per ₹100 at 0.99% forex). ICICI publishes no income/age criteria in the MITC — not published.
per the official ICICI Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 10 Sept 2026ICICI's September lounge list drops four doors and adds BhogapuramThe prior edition opened Bhubaneswar's landside Bird Lounge, Vadodara's Premium Lounge, Visakhapatnam's Airr Lounge and Bar, and Dehradun's landside Bird Lounge, and filed Ahmedabad T2 international as The Lounge opposite Gate 3 → Those four rooms are gone. Bhubaneswar keeps O'Vetra near Gate 8, Dehradun keeps Carnations in the security hold, Vadodara is off the list, and Visakhapatnam's rows are Encalm domestic and international at Bhogapuram. Ahmedabad T2 international is Adani Silver Lounge - International, Gate 08, and it is not asterisked
ICICI re-saved its consolidated domestic lounge list on 10 September 2026 and moved rooms, not quotas. Four doors an Annexure-1 card used to open are off the list: Bhubaneswar's landside Bird Lounge (O'Vetra, airside near Gate 8, stays), Vadodara entirely, Visakhapatnam's Airr Lounge and Bar, and Dehradun's landside Bird Lounge (Carnations, in the security hold, stays). Visakhapatnam's replacement is two Encalm rooms at Bhogapuram, which this map does not carry yet — the airport is not in our coordinate file, so those doors are recorded here and not drawn. Ahmedabad's T2 international row is no longer The Lounge opposite Gate 3. It is Adani Silver Lounge - International, first floor, Gate 08, and the row has no asterisk, so the whole Annexure-1 board gets it at each card's own quarterly quota rather than the three unlimited cards alone. Noida's three Jewar rows are still on the PDF and still unmapped.
- 29 Aug 2026ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in
- 29 Jul 2026Times Black publishes its eligibility bar and swaps BLADE for Thumby Aviation
- 1 Jul 2026ICICI's lounge-gate exemption expires for Adani One and MakeMyTripAdani One ICICI Signature, Adani One ICICI Platinum and the MakeMyTrip ICICI Bank Credit Card were exempt from the ₹75,000-per-quarter spend gate on complimentary domestic lounge access — "valid till Jun 30, 2026" → All three now "require spends of ₹ 75,000 to be made in a calendar quarter to unlock airport lounge access in the next calendar quarter, with effect from Jul 01, 2026"
ICICI's MITC, headed "Last updated on Aug 2nd, 2026", carries the expiry date inside the exemption list itself and then restates it as a dated instruction below. No lounge visit is removed — MakeMyTrip keeps 2 domestic a quarter plus 1 international, Adani One Signature 4 a quarter plus 2 Priority Pass, Adani One Platinum 2 a quarter — but all of them now cost ₹3 lakh of routed annual spend on top of the fee, which reprices the ₹750 Adani One Platinum hardest. The ₹75,000 excludes rent, government, education, EMI, fees, interest, DCC and reversals, and the qualifying quarter is offset (26th to 25th), so the spend that unlocks Oct-Dec was made between 26 June and 25 September. Worth flagging for the desk: ICICI's own "Upcoming changes to Credit Card features and charges" page, re-read 28 August 2026, still lists MakeMyTrip among the exempt cards with no expiry, and never names the Adani One pair at all. Two live ICICI documents, two different answers; the MITC is the regulated one and the more recently dated, so it is the one we follow.
- 1 Feb 2026ICICI gates its BookMyShow movie perk behind quarterly spend
- 15 Jan 2026ICICI caps transport rewards and excludes rent, tax, fuel spends
- 15 Nov 2024ICICI's November purge: rewards, lounges and 1% fees
- 5 Feb 2024ICICI stops rewards on rent and wallet loads
Every ICICI Bank change we've dated → 10 events since 2019, 7 of them nerfs — worst year 2026.
Verified against ICICI Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — ₹2,500 joining / nil annual, 8 domestic (₹75k quarterly gate) + 1 international + quarterly railway lounges, 3.5% forex, MMTBLACK Platinum
- official Membership guide — the rate table headed "My Cash (per ₹200 spent)": domestic outside MMT ₹1.25, international outside MMT ₹1.5, MMT flights ₹2, MMT hotel/holiday ₹4
- official MITC ("Last updated on Aug 2nd, 2026") — ₹2,500 joining, NIL annual fee, no spend threshold, ₹199 add-on; APR 3.75%/mo (45%/yr)
- official The live ₹999 MakeMyTrip ICICI card — the replacement product, earning per ₹100