Airlines

ICICI Bank Travel Credit Card 2026 – Features, Eligibility and Application

ICICI Bank Travel Credit Card – Features, Eligibility & How to Apply

Frequent travel can involve substantial spending on flights, hotels, airport transfers, meals and foreign-currency transactions. A travel-focused credit card can help reduce some of these expenses by offering rewards, booking discounts, airport lounge visits and travel-related privileges.

ICICI Bank offers several credit cards for different kinds of travellers. Some are designed around MakeMyTrip bookings, while others focus on airport privileges, Emirates Skywards Miles, premium lounge access or luxury travel benefits.

One important point is that the term ICICI Bank Travel Credit Card does not refer to only one card. It represents a category that includes products such as:

MakeMyTrip ICICI Bank Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Emeralde Credit Card
Emirates Skywards ICICI Bank Credit Cards
Adani One ICICI Bank Credit Cards

The right choice depends on your travel frequency, preferred booking platform, income, annual spending and willingness to pay a joining or renewal fee.

This guide explains the main features, fees, eligibility conditions, documents and application process for ICICI Bank travel credit cards.

ICICI Bank Travel Credit Cards at a Glance

Credit card	Joining fee	Annual fee	Best suited for
MakeMyTrip ICICI Bank Credit Card	₹999 + GST	₹999 + GST	MakeMyTrip bookings and international spending
Adani One ICICI Bank Platinum	₹750 + GST	₹750 + GST	Entry-level airport and Adani ecosystem benefits
Adani One ICICI Bank Signature	₹5,000 + GST	₹5,000 + GST	Premium airport services and frequent travellers
ICICI Bank Sapphiro	₹6,500 + GST	₹3,500 + GST	Lounge access, rewards and lifestyle benefits
Emirates Skywards ICICI Bank Sapphiro	₹5,000 + GST	₹5,000 + GST	Emirates flyers and Skywards Miles
ICICI Bank Emeralde	₹12,000 + GST	₹12,000 + GST	Premium travellers and lounge privileges

Fees, taxes, rewards and benefits can change. Check the individual card page and Most Important Terms and Conditions before applying.

Apply Now

What Is an ICICI Bank Travel Credit Card?

An ICICI Bank Travel Credit Card is designed to provide additional value on travel-related expenses.

Depending on the card selected, benefits may include:

Rewards on flights and hotels
MakeMyTrip myCash
Emirates Skywards Miles
Complimentary airport lounge visits
Joining and renewal vouchers
Reduced foreign-currency markup
Airport parking, porter or meet-and-assist services
Travel or air-accident insurance
Golf privileges
Dining and entertainment discounts
Annual milestone benefits

These cards function like regular credit cards and can also be used for shopping, dining, utility payments and other eligible purchases.

However, the reward rate may be highest when spending in the card’s intended category. For example, a MakeMyTrip co-branded card provides its strongest earning potential on eligible MakeMyTrip bookings.

MakeMyTrip ICICI Bank Credit Card

Best ICICI Travel Card for MakeMyTrip Users

The MakeMyTrip ICICI Bank Credit Card is one of the bank’s most accessible travel-focused options.

It is offered across Mastercard and RuPay networks and is designed for travellers who regularly book flights, hotels, buses or cabs through MakeMyTrip.

Key Features

Up to 6% myCash on MakeMyTrip Bookings

The card’s reward structure provides points on eligible spending:

6 points for every ₹100 spent on eligible hotel bookings
3 points for every ₹100 spent on eligible flights, buses and cabs
1 point for every ₹100 spent on other eligible retail transactions

Eligible points are transferred to the cardholder’s MakeMyTrip account as myCash.

The myCash can be used during checkout on eligible MakeMyTrip bookings. It cannot normally be transferred to a bank account or withdrawn as cash.

Rewards That Do Not Expire

ICICI Bank advertises unlimited myCash rewards that do not expire, subject to the applicable programme terms.

This may benefit travellers who prefer accumulating rewards gradually rather than redeeming them before a fixed expiration deadline.

MMTBLACK Gold Membership

New cardholders receive a complimentary one-year MMTBLACK Gold membership, excluding any myCash benefit ordinarily associated with the membership.

The programme may provide travel-related privileges according to MakeMyTrip’s current membership rules.

Joining and Renewal Vouchers

Cardholders can receive:

A MakeMyTrip voucher worth ₹1,000 after paying the joining fee
A MakeMyTrip hotel voucher worth ₹1,000 after paying the annual fee

Voucher validity and redemption restrictions apply.

Airport Lounge Access

The card currently advertises:

Two complimentary domestic airport lounge visits per quarter
One complimentary international airport lounge visit per year

Lounge access is generally restricted to the primary cardholder and may be subject to quarterly spending requirements, supported lounges and programme conditions.

Lower Forex Markup

The card charges a foreign-currency markup of 0.99%, plus applicable GST.

This is lower than the 3.5% markup charged by many conventional credit cards. It can therefore be useful for overseas hotel payments, shopping and international transactions.

Travellers should still select the local currency when paying abroad and avoid Dynamic Currency Conversion when the merchant offers to charge the transaction in Indian rupees.

No-Cost EMI on MakeMyTrip

Eligible MakeMyTrip bookings may be converted into a three-month no-cost EMI plan, subject to current terms and transaction eligibility.

Dining and Entertainment Benefits

Additional benefits may include:

Dining discounts through the Culinary Treats Programme
Movie-ticket discounts through BookMyShow and INOX
24-hour concierge assistance on the eligible RuPay variant

MakeMyTrip ICICI Bank Credit Card Fees

Charge	Amount
Joining fee	₹999 + GST
Annual fee	₹999 + GST
Annual-fee waiver	Spend above ₹3 lakh in the membership year
Forex markup	0.99% + applicable GST
Late-payment fee	Based on outstanding balance
Cash withdrawal	Interest and cash-advance charges apply

The ₹999 annual fee can be waived for the following year when the applicable annual spending requirement is met.

Cardholders should avoid withdrawing cash using a credit card because cash advances usually begin attracting charges immediately and may not receive an interest-free period.

Other ICICI Bank Travel Credit Card Options

ICICI Bank Sapphiro Credit Card

Sapphiro combines travel and lifestyle benefits.

Its current features include:

Domestic airport lounge access after meeting the applicable quarterly-spend condition
Two complimentary international airport lounge visits
Welcome vouchers from selected travel and lifestyle brands
Reward points on domestic and international spending
Golf privileges based on eligible monthly spending
Movie-ticket offers
Fuel-surcharge waiver on eligible transactions

The current joining fee is ₹6,500 plus GST, while the annual fee is ₹3,500 plus GST. Spending more than ₹6 lakh in a year can qualify the cardholder for an annual-fee waiver for the following year.

Sapphiro is better suited to travellers who value lounge visits and lifestyle rewards but may not book exclusively through MakeMyTrip.

ICICI Bank Emeralde Credit Card

Emeralde is a premium product for high-spending customers.

Its main travel-related benefits may include:

Unlimited domestic and international airport lounge access for the primary cardholder
Lower forex markup than standard ICICI Bank cards
Premium golf and lifestyle privileges
Movie-ticket offers
Fuel-surcharge waiver
Travel-booking benefits
Premium concierge services

The card carries a joining and annual fee of ₹12,000 plus GST. The annual fee can be waived when the applicable yearly spending threshold is met.

Emeralde is more suitable for frequent premium travellers who can use enough benefits to justify its higher fee.

Emirates Skywards ICICI Bank Sapphiro Credit Card

This co-branded card is designed for travellers who frequently fly with Emirates or its eligible partners.

Features include:

Emirates Skywards Silver Tier membership
Joining Skywards Miles
Skywards Miles on eligible domestic and international spending
Annual renewal Miles
International and domestic lounge access
Selected discounts on Emirates flight bookings
Golf and movie benefits
Fuel-surcharge waiver

The card currently charges ₹5,000 plus GST as both its joining and annual fee.

Its published eligibility requirement is considerably higher than the entry-level MakeMyTrip card, so it is most appropriate for higher-income customers who can make meaningful use of Emirates benefits.

Adani One ICICI Bank Platinum Credit Card

The Adani One Platinum card is an entry-level travel product focused on the Adani ecosystem.

Its potential benefits include:

Flight and hotel vouchers
Reward points on eligible Adani ecosystem spending
Selected airport lounge visits
Airport parking and valet services
Porter benefits after meeting eligible spending milestones
Fuel-surcharge waiver

Its joining and annual fee is ₹750 plus GST. The annual fee may be waived when the applicable yearly spending target is reached.

Adani One ICICI Bank Signature Credit Card

The Signature variant provides more extensive airport and travel benefits than the Platinum card.

Benefits may include:

Higher flight and hotel vouchers
More domestic and international lounge visits
Airport meet-and-assist services
Premium lounge upgrades
Valet, parking and porter services
Higher reward rates within the Adani ecosystem
Rewards on domestic and international purchases

The card charges ₹5,000 plus GST as its joining and annual fee.

It is mainly suitable for travellers who regularly use participating Adani airports and can fully use the included airport services.

Main Benefits of an ICICI Bank Travel Credit Card

1. Travel Rewards

Travel cards can earn rewards in the form of:

myCash
ICICI Bank Reward Points
Emirates Skywards Miles
Adani Reward Points
Travel vouchers

The most valuable reward system depends on where you normally book trips.

A MakeMyTrip user may benefit more from myCash, while a regular Emirates passenger may prefer Skywards Miles.

2. Airport Lounge Access

Selected cards provide domestic or international lounge visits.

Airport lounges may offer:

Seating away from the terminal
Snacks and drinks
Wi-Fi
Charging points
Work areas
Restrooms
Flight information

Lounge access is rarely completely unconditional. Check:

Minimum quarterly spending
Number of visits
Primary or supplementary-card eligibility
Participating lounge list
Guest charges
Card-network rules

3. Foreign-Currency Spending

Most credit cards charge a markup when a foreign-currency transaction is converted into Indian rupees.

The MakeMyTrip ICICI Bank Credit Card currently charges a lower 0.99% forex markup, while several other ICICI Bank cards charge higher rates.

Travellers should compare the markup, GST and reward rate rather than looking at rewards alone.

4. Joining and Milestone Benefits

Selected cards offer:

Flight vouchers
Hotel vouchers
Joining reward points
Bonus air miles
Membership upgrades
Airport services
Annual milestone rewards

A welcome benefit should not be the only reason to select a card. Consider whether the card remains valuable after the first year.

5. Travel Convenience

Premium cards may provide:

Concierge assistance
Porter services
Valet parking
Meet-and-assist services
Lounge upgrades
Hotel or flight-booking privileges

These services can be valuable for frequent flyers but offer limited value to occasional travellers.

ICICI Bank Travel Credit Card Eligibility

Eligibility varies by card.

General Eligibility

ICICI Bank’s travel-card guide states that applicants generally need to meet the following conditions:

Be between 21 and 65 years of age
Have a stable source of income
Meet the selected card’s minimum-income requirement
Maintain a good credit history
Satisfy ICICI Bank’s internal credit assessment

Approval is not automatic even when an applicant meets the displayed income and age conditions.

The bank may also consider:

Existing loans and credit-card balances
Repayment history
Number of recent credit applications
Employment stability
Residential location
Banking relationship
Credit-utilisation ratio

MakeMyTrip ICICI Bank Credit Card Eligibility

The current product page lists the following basic requirements:

For Salaried Applicants

Indian citizen
At least 21 years of age
Monthly income of at least ₹20,000

For Self-Employed Applicants

Indian citizen
At least 21 years of age
Annual income of at least ₹2.40 lakh

These are basic product-level conditions. ICICI Bank may apply additional credit, income, residence and verification checks.

Eligibility for Premium Cards

Premium cards usually have higher income requirements.

For example:

ICICI Bank Sapphiro

Salaried monthly income: ₹75,000
Self-employed annual income: ₹9 lakh

Emirates Skywards ICICI Bank Sapphiro

Salaried monthly income: ₹1.50 lakh
Self-employed annual income: ₹18 lakh

Income requirements can change, so applicants should check the current product page before submitting an application.

Documents Required

ICICI Bank may request identity, address and income documents.

Identity Proof

Commonly accepted documents may include:

Aadhaar Card
PAN Card
Passport
Voter ID
Driving Licence

Address Proof

Examples may include:

Aadhaar Card
Passport
Utility bill
Bank statement carrying the current address
Registered or signed rental agreement
Driving Licence

Income Proof for Salaried Applicants

The bank may request:

Recent salary slips
Bank statements
Form 16
Income Tax Return documents

Income Proof for Self-Employed Applicants

Possible documents include:

Income Tax Returns
Audited financial statements
Business bank statements
Business-registration proof
Profit-and-loss statement

Additional Requirements

Applicants may also need:

PAN or Form 60
Recent photograph
Completed application form
Mobile number linked with Aadhaar
DigiLocker access for digital verification

The exact documents depend on the card, occupation and existing relationship with ICICI Bank.

How to Apply for an ICICI Bank Travel Credit Card

Method 1: Apply Through the ICICI Bank Website

Visit the official ICICI Bank website.
Open the Credit Cards section.
Select travel credit cards.
Compare fees, rewards, lounge access and eligibility.
Choose the preferred card.
Click Apply Now.
Enter your mobile number and personal information.
Provide employment and income details.
Complete KYC and upload the requested documents.
Review the information carefully.
Submit the application.

ICICI Bank will assess the application, verify the details and communicate its decision.

Method 2: Apply Through the iMobile App

Existing ICICI Bank customers may apply through the iMobile app.

Log in to the iMobile app.
Open Get Instant Loans/Offers.
Select Loan & Card Offers.
Tap Cards.
Review the available or pre-approved card offers.
Select the preferred travel card.
Complete or verify the pre-filled information.
Upload any requested documents.
Accept the terms and complete OTP verification.
Submit the request.

Pre-approved customers may receive a faster process, but the offer and final credit limit depend on the bank’s assessment.

Method 3: Apply for the MakeMyTrip Card

The MakeMyTrip ICICI Bank Credit Card can also be applied for through the MakeMyTrip platform.

Applicants can:

Open the MakeMyTrip card page
Scan the displayed QR code
Download or open the MakeMyTrip app
Complete the card application process

The bank remains responsible for credit assessment, approval and issuance.

How to Track Your Application

After applying, the bank generally sends an acknowledgement with an application or reference number.

Application progress can be checked through the iMobile app:

Open Services.
Select Card Services.
Tap Track Application.
Review the current application stage.

Stages may include:

Application initiated
Appointment
Document verification
Application processing
Card delivery

Applicants may also contact customer service or visit a branch for assistance.

Advantages of ICICI Bank Travel Credit Cards

Multiple cards for different travel preferences
Rewards on travel bookings
Domestic and international lounge options
Low forex markup on the MakeMyTrip card
Airline-miles option through Emirates cards
Airport-service benefits through Adani One cards
Premium products for frequent travellers
Online and app-based application process
Annual-fee waivers on eligible spending
Lifestyle, dining, cinema and golf benefits

Points to Consider Before Applying

Annual Fees

A card is valuable only when the rewards and benefits exceed its annual cost.

Calculate whether you will genuinely use:

Lounge visits
Travel vouchers
Reward points
Airport services
Membership benefits

Reward Restrictions

Some transactions may not earn rewards, including:

Cash advances
Rent payments
Fees and charges
EMI transactions
Balance transfers
Loan transactions

Check the individual reward terms.

Lounge Spending Conditions

Domestic lounge access on some cards requires spending a specified amount in the previous calendar quarter.

Do not assume that merely holding the card guarantees entry.

Interest Charges

Travel rewards lose their value when the cardholder carries unpaid balances and pays finance charges.

Pay the full statement balance by the due date whenever possible.

Cash Withdrawals

Credit-card ATM withdrawals usually attract a cash-advance fee and interest from the date of withdrawal.

Use a debit card, forex card or other appropriate payment method for overseas cash requirements.

Tips to Maximise Travel-Card Benefits

Use the Card in Its Highest-Earning Category

Book eligible MakeMyTrip hotels using the MakeMyTrip card and use an airline-specific card for relevant airline purchases.

Track the Annual-Fee Waiver

Monitor yearly spending so that you know whether you are likely to qualify for a renewal-fee waiver.

Pay in Local Currency Abroad

When a foreign merchant offers to charge the transaction in Indian rupees, choose the local currency instead. The merchant’s Dynamic Currency Conversion rate can be less favourable.

Register for Lounge Programmes

Some international lounge benefits require separate Priority Pass activation or registration.

Redeem Rewards Before Closing the Card

Unused rewards or vouchers may be forfeited when the account is closed.

Pay the Full Balance

Avoid paying only the minimum amount due. Interest charges can outweigh the travel rewards earned.

Who Should Consider an ICICI Bank Travel Credit Card?

A travel credit card may be suitable if you:

Book several trips every year
Regularly use MakeMyTrip
Travel internationally
Use airport lounges
Spend enough to offset annual fees
Fly frequently with Emirates
Use participating Adani airports
Prefer travel rewards over generic cashback

A no-fee or cashback card may be better when you:

Travel only occasionally
Do not use airport lounges
Prefer unrestricted cashback
Cannot meet annual-fee-waiver requirements
Carry unpaid balances
Rarely use the card’s travel partners

Apply Now

Frequently Asked Questions

Is there only one ICICI Bank Travel Credit Card?

No. ICICI Bank offers several travel-oriented cards, including MakeMyTrip, Sapphiro, Emeralde, Emirates Skywards and Adani One variants.

Which ICICI Bank credit card is best for MakeMyTrip?

The MakeMyTrip ICICI Bank Credit Card is designed specifically for MakeMyTrip bookings and offers myCash on eligible hotels, flights, buses and cabs.

What is the joining fee for the MakeMyTrip ICICI Bank Credit Card?

The current joining fee is ₹999 plus GST.

Can the annual fee be waived?

Yes. The MakeMyTrip card’s ₹999 annual fee can be waived for the following year after eligible annual spending above ₹3 lakh.

Does the card offer airport lounge access?

Yes. The MakeMyTrip card advertises domestic and international lounge visits. Access is for the primary cardholder and is subject to current terms, spending conditions and the participating lounge list.

What is the forex markup?

The MakeMyTrip ICICI Bank Credit Card currently charges a 0.99% forex markup plus applicable GST.

What is the minimum income required?

For the MakeMyTrip card, salaried applicants need a monthly income of at least ₹20,000, while self-employed applicants need an annual income of at least ₹2.40 lakh. Premium products have higher requirements.

What credit score is required?

ICICI Bank does not guarantee approval at one fixed score. A strong repayment history and a score in the good or excellent range improve approval prospects.

Can I apply without visiting a branch?

Yes. Applications can be submitted through the ICICI Bank website or iMobile app. The MakeMyTrip card can also be applied for through the MakeMyTrip platform.

Can myCash be transferred to my bank account?

No. Card-generated myCash is intended for eligible MakeMyTrip redemptions and cannot normally be converted into cash or transferred to a bank account.

Is a travel credit card the same as a forex card?

No. A travel credit card provides a revolving credit limit, rewards and billed repayment. A forex card is prepaid and holds foreign currency loaded in advance.

Final Verdict

ICICI Bank offers travel credit cards for different budgets and travel habits.

The MakeMyTrip ICICI Bank Credit Card is the strongest entry-level choice for travellers who regularly use MakeMyTrip and want a low forex markup. Sapphiro offers a broader combination of lounge, reward and lifestyle benefits, while Emeralde is intended for premium travellers.

Emirates Skywards cards are most relevant to frequent Emirates flyers, and Adani One cards suit travellers who can use airport services across the Adani ecosystem.

Before applying, compare the annual fee, lounge conditions, forex markup and reward-redemption rules. Select a card based on your normal travel spending rather than welcome vouchers alone.

A travel credit card can provide meaningful value when its benefits are used consistently and the statement balance is repaid in full and on time.