ICICI Coral
EntryICICI Bank
Where it ranks · across all 71 cards
What a point is worth
Earning 2 pts / ₹100, the same point pays very differently by redemption path:
| Redemption path | Per point | Effective on spends |
|---|---|---|
| Partner transfersbest: Air India Maharaja Club at 6:1 (ceiling 0.6%) | ₹0.10-₹0.30 | 0.20% |
Rankings across KaunsaCard use a single conservative value (₹0.25/pt = 0.50%); transfer ceilings assume premium-cabin awards and are never used to rank.
Reward rules
Points valued at ₹0.25/pt - conservative, what rankings use · transfers reach up to ₹0.30/pt via Air India Maharaja Club at 6:1
Base rate - everything not covered below
2 pts / ₹100= 2 pts per ₹100
0.5-0.6%
value range by redemption
1 pt / ₹100 on utility & insurance
1 pt / ₹100= 1 pts per ₹100
0.3-0.3%
value range by redemption
MITC caps point-earning spend per statement cycle: Utility ₹40,000 and Insurance ₹40,000 for Coral (modeled as the combined 400-pt value cap). Grocery earn is separately capped at ₹20,000 spend/cycle. Caps (₹40k utility + ₹40k insurance spend/cycle) and govt-in-this-tier could not be re-verified on current bank pages - treat those details as pending re-verification.
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) · 2026-08-22
Milestones
₹2,00,000 / year
2,000 pts at ₹2L + 1,000 per additional ₹1L (max 10,000 pts/anniversary year)
worth ≈ ₹500
Transfer partners
ICICI Bank Rewards (all other cards: 6:1) - what 10,000 points become. Full matrix with live amounts on the Transfers page.
| Partner | Ratio | 10,000 pts → | ≈ value |
|---|---|---|---|
| Air India Maharaja ClubAll other ICICI credit/debit cards; min 2,000 RP per conversion. | 6:1 | 1,666 | ₹1,000-₹2,999 |
Weak 6:1 route available on every ICICI card (Sapphiro, Coral etc.) - catalogue redemptions usually beat it; useful only to top up a Maharaja balance.
Earns nothing on
- ⊘ No points on fuel (program MITC; HPCL surcharge waiver only). Bank marks its MCC list indicative, not exhaustive.13613851517255415542598397525555bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Rent earns nothing on all ICICI cards (1% fee applies).7014740752716513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ E-wallet loads excluded (program MITC).6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ EMI excluded.