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Side-by-Side Comparison|Updated April 2026

MakeMyTrip ICICI Bank Credit Card vs ICICI Bank Platinum Chip Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

MakeMyTrip ICICI Bank Credit Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkMastercard
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMakeMyTrip ICICI Bank Credit CardICICI Bank Platinum Chip Credit Card
Annual Fee₹999Free
Joining Fee₹999Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%0.125%
Reward CurrencymyCashICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating8.5/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

MakeMyTrip ICICI Bank Credit Card

  • 0% on MMT Hotels
  • 0% on MMT Flights/Cabs

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

MakeMyTrip ICICI Bank Credit Card

Pros

  • High 6% reward rate on hotel bookings via MakeMyTrip
  • Industry-leading low forex markup of 0.99%
  • Dual card offering (Mastercard + RuPay) for UPI compatibility
  • Unlimited myCash rewards with no expiry date

Cons

  • Rewards (myCash) can only be redeemed on the MakeMyTrip platform
  • Low reward rate of 1% on non-travel retail spends
  • International lounge access is limited to once per year

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

MakeMyTrip ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose MakeMyTrip ICICI Bank Credit Card if

Maximum value back of up to 6% on hotels and 3% on flights booked through the platform.

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: MakeMyTrip ICICI Bank Credit Card or ICICI Bank Platinum Chip Credit Card?
MakeMyTrip ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between MakeMyTrip ICICI Bank Credit Card and ICICI Bank Platinum Chip Credit Card?
MakeMyTrip ICICI Bank Credit Card has an annual fee of ₹999, while ICICI Bank Platinum Chip Credit Card has no annual fee. MakeMyTrip ICICI Bank Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: MakeMyTrip ICICI Bank Credit Card or ICICI Bank Platinum Chip Credit Card?
MakeMyTrip ICICI Bank Credit Card offers a base reward rate of 1% with accelerated rewards on MMT Hotels and MMT Flights/Cabs. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both MakeMyTrip ICICI Bank Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. MakeMyTrip ICICI Bank Credit Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: MakeMyTrip ICICI Bank Credit Card or ICICI Bank Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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