ICICI Bank · Entry
ICICI Coral
Earns ICICI Bank Rewards (all other cards: 6:1)
Where it ranks across all 187 cards
#63 Education
0.5%
direct
#87 Jewellery & watches
0.5%
direct
#92 Gaming
0.5%
direct
#102 Mobile / broadband
0.5%
direct
#111 Train tickets
0.5%
direct
#117 Cabs & transit
0.5%
direct
#123 Health & pharmacy
0.5%
direct
#126 Other
0.5%
direct
#127 Electronics
0.5%
direct
#129 Flights
0.5%
direct
#129 Hotels
0.5%
direct
#131 Groceries
0.5%
direct
#131 Movies & events
0.5%
direct
#134 Online shopping
0.5%
direct
#134 Food delivery
0.5%
direct
#134 Fashion
0.5%
direct
#137 Dining out
0.5%
direct
#81 Insurance
0.3%
direct
#94 Utility bills
0.3%
direct
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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
Reward rules2 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: ICICI Coral (bank site, verified Aug 2026) - icici.bank.in - read 21 Aug 2026
1 pt / ₹100 on utility & insurance
0.25%this rule
1 pt / ₹100
how it works & source
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) - icicibank.com - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Air India Maharaja Club
6:1 ratio · All other ICICI credit/debit cards; min 2,000 RP per conversion.
1,666 ptsworth ₹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 on4 exclusions
Fuel
earns nothing
No points on fuel (program MITC; HPCL surcharge waiver only).
→ use FIRST Private here (6.6%)
detail & source
Bank marks its MCC list indicative, not exhaustive.
categories: Fuel · MCCs: 1361, 3851, 5172, 5541, 5542, 5983, 9752, 5555
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing on all ICICI cards (1% fee applies).
→ use FIRST Private here (6.6%)
detail & source
categories: Rent · MCCs: 7014, 7407, 5271, 6513
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded (program MITC).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
EMI
earns nothing
EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.