Base reward rate: 6% on hotels, 3% on flights/packages/cabs/bus, 1% base & insurance
Redemption options: Redeem myCash on travel bookings via MakeMyTrip (flights, hotels, holiday packages, cabs, buses, partner vouchers)
Fees & Charges
Joining fee: 999
Annual fee: 999
Pros
Low forex markup fee of 0.99% on international transactions.
Complimentary upgrade to MakeMyTrip Gold Tier membership as a milestone benefit.
Unlimited myCash rewards with no maximum capping on earnings and no expiry date.
Accelerated rewards earned over and above existing MakeMyTrip platform offers and discounts.
Dual-network option (Mastercard and RuPay) offering payment flexibility and UPI transaction capability.
Cons
Exceptionally high minimum income requirement of ₹2.4 Lakhs per month for salaried applicants, making it highly inaccessible for a ₹999 annual fee card.
Strict redemption lock-in as accumulated myCash rewards can only be redeemed for travel bookings and partner vouchers on the MakeMyTrip platform.
High annual fee waiver threshold of ₹3.0 Lakhs, which is difficult to achieve for casual travelers given the card's niche travel focus.
Low reward rate on non-travel spends, limiting its utility as an everyday card.
Low frequency of international lounge access compared to other travel-focused cards in the same segment.
Best Use Case
Frequent travelers who book flights, hotels, and holiday packages primarily through MakeMyTrip