ICICI BankMakeMyTrip ICICI Bank Credit Card
Travelers who frequently book through MakeMyTrip and want a published 0.99% forex markup with merchant-linked travel rewards.
- Annual fee
- ₹999 + GST
- Reviewed
- September 11, 2026
- Evidence
- 3 issuer sources
Maintained credit-card comparison
MakeMyTrip ICICI Bank Credit Card vs IDFC FIRST Wealth Credit Card
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
IDFC FIRST BankIDFC FIRST Wealth Credit Card
Higher-tier applicants who want a no-annual-fee premium card and care about international spending costs.
- Annual fee
- Nil under the current IDFC FIRST Bank schedule of charges.
- Reviewed
- September 11, 2026
- Evidence
- 3 issuer sources
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
littleden.blog · Comparison research sheet
MakeMyTrip ICICI Bank Credit Card vs IDFC FIRST Wealth Credit Card
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/makemytrip-icici-bank-credit-card-vs-idfc-first-wealth/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Decision checkpoints
Answer the questions that can actually change the choice.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
MakeMyTrip ICICI Bank Credit Card
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
IDFC FIRST Wealth Credit Card
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.
MakeMyTrip ICICI Bank Credit Card
- Annual fee
- ₹999 + GST
- Fee waiver
- Annual fee waived for the next year on spends over ₹3 lakh
IDFC FIRST Wealth Credit Card
- Annual fee
- Nil under the current IDFC FIRST Bank schedule of charges.
- Fee waiver
- Not applicable: the standard FIRST Wealth card is currently listed as lifetime free with Nil joining and annual fees.
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.
MakeMyTrip ICICI Bank Credit Card
- Reward rules
- Up to 6% myCash on eligible MakeMyTrip bookings; unlimited myCash rewards that do not expire under the reviewed product proposition
Recorded cautions
- myCash is a travel-platform reward currency rather than cash.
- The fee waiver requires ₹3 lakh annual spend.
- Domestic airport lounge access requires ₹75,000 spend in the preceding calendar quarter; international access is capped separately at 1 complimentary visit annually.
IDFC FIRST Wealth Credit Card
- Reward rules
- 3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday.
Recorded cautions
- Premium positioning does not guarantee approval.
- Lounge and travel benefits can be conditional.
- Compare reward value, not just fee and forex markup.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.
MakeMyTrip ICICI Bank Credit Card
- Lounge conditions
- 2 complimentary domestic airport lounge visits per quarter after ₹75,000 spend in the preceding calendar quarter, plus 1 complimentary international airport lounge visit annually; lounge benefits are for the primary cardholder.
- Forex costs
- 0.99% foreign-currency markup
- Eligibility
- Reviewed issuer page lists Indian citizens age 21+ and indicative monthly income of ₹20,000 salaried or annual income of ₹2.4 lakh if self-employed; approval remains with ICICI Bank
IDFC FIRST Wealth Credit Card
- Lounge conditions
- 2 complimentary domestic airport lounge/spa visits plus 2 complimentary international lounge visits per quarter, and 4 railway-lounge visits per quarter, subject to current spend conditions.
- Forex costs
- 1.50% markup on international transactions under current IDFC FIRST Bank lifetime-free card guidance and fee schedule.
- Eligibility
- Current IDFC FIRST card directory lists annual income above ₹36 lakh; issuance remains subject to the bank’s assessment.
Shared research themes
Put the controlling card fields next to each other.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
On a small screen, scroll this table sideways. The factor column stays visible.
Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Decision factor | MakeMyTrip ICICI Bank Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|
| Joining fee | ₹999 + GST | Nil under the current IDFC FIRST Bank schedule of charges. |
| Annual fee | ₹999 + GST | Nil under the current IDFC FIRST Bank schedule of charges. |
| Fee waiver | Annual fee waived for the next year on spends over ₹3 lakh | Not applicable: the standard FIRST Wealth card is currently listed as lifetime free with Nil joining and annual fees. |
| Rewards | Up to 6% myCash on eligible MakeMyTrip bookings; unlimited myCash rewards that do not expire under the reviewed product proposition | 3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday. |
| Lounge | 2 complimentary domestic airport lounge visits per quarter after ₹75,000 spend in the preceding calendar quarter, plus 1 complimentary international airport lounge visit annually; lounge benefits are for the primary cardholder. | 2 complimentary domestic airport lounge/spa visits plus 2 complimentary international lounge visits per quarter, and 4 railway-lounge visits per quarter, subject to current spend conditions. |
| Forex markup | 0.99% foreign-currency markup | 1.50% markup on international transactions under current IDFC FIRST Bank lifetime-free card guidance and fee schedule. |
| Network | RuPay / current variant as offered | Network variant as issued by IDFC FIRST Bank; the evidence record keeps benefits separate from network branding. |
| Eligibility / approval | Reviewed issuer page lists Indian citizens age 21+ and indicative monthly income of ₹20,000 salaried or annual income of ₹2.4 lakh if self-employed; approval remains with ICICI Bank | Current IDFC FIRST card directory lists annual income above ₹36 lakh; issuance remains subject to the bank’s assessment. |
Know what can make either card unsuitable.
These cautions remain attached to the underlying card records instead of being converted into a score.
MakeMyTrip ICICI Bank Credit Card
- myCash is a travel-platform reward currency rather than cash.
- The fee waiver requires ₹3 lakh annual spend.
- Domestic airport lounge access requires ₹75,000 spend in the preceding calendar quarter; international access is capped separately at 1 complimentary visit annually.
IDFC FIRST Wealth Credit Card
- Premium positioning does not guarantee approval.
- Lounge and travel benefits can be conditional.
- Compare reward value, not just fee and forex markup.
Decision tools
Model the parts of the comparison that depend on your own usage.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Verify both cards from their own issuer evidence.
Each side keeps its own review date, source set and evidence state.
MakeMyTrip ICICI Bank Credit Card
Issuer product pageIssuer product pageIssuer product page
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗IDFC FIRST Wealth Credit Card
Fee / charge scheduleIssuer product pageIssuer product page
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗First-party source appendix
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
MakeMyTrip ICICI Bank Credit Card
Reviewed September 11, 2026 · 3 attached first-party sources
- Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/makemytrip-icici-bank-credit-card
- Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/experience
- Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/travel-easy/international-transactions
IDFC FIRST Wealth Credit Card
Reviewed September 11, 2026 · 3 attached first-party sources
- Fee / charge schedulehttps://www.idfcfirstbank.com/credit-card/fees-and-charges
- Issuer product pagehttps://www.idfcfirstbank.com/credit-card/lifetime-free-credit-card
- Issuer product pagehttps://www.idfcfirstbank.com/credit-card