ICICI Bank Updates Lounge Access Rules for Adani One & MMT Credit Cards

ICICI Bank has announced a major change in its airport lounge access policy for select co-branded credit cards. Starting 1 July 2026, cardholders will need to meet a spend-based condition to continue enjoying lounge benefits.

This update impacts popular travel-focused cards that earlier offered lounge access without any spending requirement.

₹75,000 Spend Requirement Introduced

From July 2026, users of the following cards must spend ₹75,000 in a quarter to unlock lounge access:

• MakeMyTrip ICICI Bank Credit Card
• Adani One ICICI Bank Signature Credit Card
• Adani One ICICI Bank Platinum Credit Card

This is a significant shift, especially for users who relied on these cards mainly for complimentary lounge visits.

What Has Changed?

Earlier

• Complimentary lounge access without spending condition

Now

• Spend ₹75,000 in the previous quarter
• Only then eligible for lounge access in the next quarter

This change aligns these cards with the broader industry trend of spend-based benefits.

Cards Still Offering Lounge Access Without Spend Condition

Some premium ICICI Bank credit cards continue to offer lounge access without any spending requirement:

• ICICI Bank Diamant Credit Card
• ICICI Bank Emeralde Private Metal Credit Card
• ICICI Bank Emeralde Private Credit Card
• ICICI Bank Emeralde Credit Card
• ICICI Bank Emirates Emeralde Credit Card
• Times Black ICICI Bank Credit Card

These cards are positioned in the premium segment and come with higher fees and exclusive benefits.

Impact on Cardholders

Key Effects

• Lounge access becomes harder to achieve
• Casual users may lose this benefit
• Frequent spenders remain unaffected

For many users, this reduces the overall value of these co-branded travel cards.

Why Is ICICI Bank Making This Change?

Banks are increasingly shifting towards spend-based models to ensure benefits are used by active customers.

This helps:

• Control costs
• Reduce misuse of lounge benefits
• Reward high-spending users

Should You Continue Using These Cards?

Continue If

• You can easily spend ₹75,000 per quarter
• You use the card for regular transactions

Consider Alternatives If

• You mainly used the card for lounge access
• Your spending is below the required threshold

Bottom Line

ICICI Bank’s new lounge access rule marks another devaluation in the credit card space. By introducing a ₹75,000 quarterly spend condition, the bank is limiting access to users who actively spend on their cards.

If lounge access is a key factor for you, it may be time to review your card usage or explore better alternatives.

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