ICICI Credit Card Help me Choose - MMT Signature vs MMT Revised

[GROWNUPS]

CURRENTLY HAVE 3 CARDS: APAY, CORAL AND MakeMyTrip (OLD)

I'm debating choosing ICICI MakeMyTrip Card (NEW VERSION) offered with 0 Joining Fee

Pros:

• You get both Rupay and Mastecard together
• No Joining Fee and Annual Fee is reversed as MMT Voucher everytime
• Rewards on UPI Spends and Lowest Forex Fee
• LOUNGE Access with No Spend Criteria
• MMT Black Included
  
  Cons:​
• Worried if Card is excluded from Sales Offers
• Would have to close Coral and Old MMT afterwards
• Limit may not be shared with existing?
• MasterCard in place of VISA Signature
  
  Kindly share your thoughts and suggestions 🙏

 

[saber.mbt]

ICICI MakeMyTrip new card looks good with no joining fee and annual fee refunded as MMT vouchers. Dual RuPay + Mastercard offers flexibility. Lounge access without spend criteria and MMT Black inclusion are nice perks. Just confirm if it’s included in sales offers and how the credit limit works. Closing Coral and old MMT makes sense to avoid duplication. Overall, a solid choice if you use MMT often👍🏻

 

[n69b]

The MMT voucher given for annual fee payment is a holiday voucher. Not applicable in flights/hotels/trains.

 

[saber.mbt]

The MMT voucher given for annual fee payment is a holiday voucher. Not applicable in flights/hotels/trains.

Yes, the annual fee voucher from the ICICI MakeMyTrip card is a holiday voucher that cannot be used for flights, hotels, or trains. It's meant for holiday packages only, so if you were expecting it to cover all booking types, that’s a common misunderstanding. Make sure to review the terms before deciding👍🏻

 

[cardio_guycardio_guy is verified member.]

See if it is really 0 joining fee. For me also it showed the same but when I clicked Apply Now, in the next page it showed 999 joining fees. Take screenshot and keep safely because later if they charge joining fee, you can raise a dispute. I didn't apply because of this confusion.

Post in thread 'New ICICI MakeMyTrip card on Mastercard and Rupay network Launched (Old Cards Discontinued)'

Jul 31, 2025

Hi all, I was uninstalling some unwanted apps in my phone and just thought of opening MMT before deleting.
That time I saw a popup that they are offering this ICICI MMT card as first year free, 0 joining fees. I am thinking of applying just for MMT black gold membership.
But my question is - I have seen some people complaining that ICICI charged fees even though it was mentioned FYF. How to avoid this problem?

And when do they charge fees on this card 2nd year? Is it after 12 months? So that I can close it after 10-11 months.

• cardio_guy

 

[OptiCard]

I have old MMT as LTF.

2 days back got sms for FYF for new card.

 

[n69b]

I will only take the new MMT card if they give LTF or with one time fee. Otherwise no.

 

[Wealth is my birth right!]

I will only take the new MMT card if they give LTF or with one time fee. Otherwise no.

Mob app will show free then net banking show charge
In those cases net banking is final that’s what my branch ppl said

 

[Gau₹av]

First it sent me SMS that I was pre-approved for FYF MMT card and then when Applying through MMT app, it asked for income docs despite having Wealth management account and existing credit cards - Amazon Pay, Platinum, Coral, Rubyx, Expressions and HPCL Super Saver. Then got a call from ICICI Bank asking why I left it halfway, I said it had no intention of providing income docs to the bank unless I wanted a limit enhancement. They said this card's application is through MMT app, not ICICI iMobile so the bank does not know it's the same profile despite same PAN and mobile number being used for MMT card's application, that's why it was asking income docs. I just told I won't proceed with the credit card application and hung up as they were messing with the meaning of "pre-approved FYF"