Cards / ICICI

Joining fee

₹999

Annual fee

₹999

Waiver spend

₹3,00,000

Forex markup

0.99%

Fee waiver

Spend ₹3,00,000 in a card year and the next annual fee is waived. Spends on education, rent do not count.

That is about ₹25,000 a month.

Work out what you still need to spend

Recent changes

• 15 January 2026Worse for you

  New fees: 2% on online gaming, 1% on wallet loads of Rs 5,000 or more, and 1% on transport spends above Rs 50,000.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 3% myCash on MakeMyTrip flights, holidays, buses and cabs (6% on hotels)
• 1% myCash on insurance (1,000 myCash a year)
• 1% myCash on other spends

No rewards on rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter
• International: 1 visit a year

Domestic airport lounge needs ₹75,000 spend in the previous calendar quarter, primary cardholder only. International visit via Priority Pass has no spend condition.

Points

MakeMyTrip myCash, worth about ₹1 each on the usual redemption.

Who can apply

• Age 21+
• Salaried: income of ₹2,40,000 a year or more
• Self-employed: income of ₹2,40,000 a year or more

Salaried: ₹20,000 a month

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

More from ICICI