ICICI Credit Card Points Value 2026 — Coral, Rubyx, Sapphiro

ICICI Bank is India's second-largest private sector bank, and their credit card portfolio — Coral, Rubyx, Sapphiro, and the popular Amazon Pay card — is held by millions of Indians. But most ICICI cardholders have no idea what their reward points are actually worth. This guide breaks it down card by card.

ICICI Card Points: Card-by-Card Value Table

ICICI Card	Earn Rate	Cashard Value/pt	10K pts = Cash
ICICI Sapphiro	2 pts/Rs 100	Rs 0.40–0.50	Rs 4,000–5,000
ICICI Rubyx	2 pts/Rs 100	Rs 0.35–0.42	Rs 3,500–4,200
ICICI Coral	2 pts/Rs 100	Rs 0.25–0.30	Rs 2,500–3,000
ICICI Amazon Pay	5% Amazon cashback	N/A (direct cashback)	Direct to Amazon Pay
ICICI Platinum	2 pts/Rs 100	Rs 0.20–0.25	Rs 2,000–2,500

Why ICICI Points Are Tricky

ICICI Bank's reward program has a confusing tiered structure. The same "2 points per Rs 100" earns very different real-world value depending on your card tier:

Sapphiro: Points are worth more because of better redemption options (Flipkart, Amazon, statement credit)
Rubyx: Mid-tier value, decent for milestone bonuses
Coral: Entry-level, limited redemption options reduce per-point value
Amazon Pay: Not points-based — gives direct Amazon Pay cashback (5% on Amazon, 2% on others)

ICICI Pro Tip

ICICI's iMobile app sometimes runs flash offers where you can redeem points at elevated rates (e.g., 4x value on specific partner vouchers). Check regularly, but if no offer is live, selling on Cashard gives you a guaranteed better rate than the standard catalogue.

ICICI Sapphiro: The Hidden Gem

The ICICI Sapphiro is often overlooked compared to HDFC Infinia or Axis Magnus, but it offers excellent value for its Rs 3,500 annual fee:

2 reward points per Rs 100 on all spends
Complimentary airport lounge access (domestic + international)
Golf privileges at select courses
Better redemption rates than Coral or Rubyx

For a typical spender putting Rs 60,000/month on the card, annual accumulation reaches 14,400 points — worth Rs 5,760–7,200 in cash via Cashard.

Best Redemption Strategies for ICICI

Sell for cash via Cashard (Rs 0.25-0.50/pt) — best guaranteed value
Flipkart/Amazon vouchers (Rs 0.25-0.35/pt) — decent if you shop there anyway
Statement credit (Rs 0.20-0.25/pt) — quick but lower value
Catalogue products (Rs 0.15-0.20/pt) — avoid if possible

How to Check Your ICICI Points Balance

Open the iMobile Pay app → Cards → Select credit card
Tap Reward Points to see your balance
Or login to icicibank.com → Cards → Rewards

For a complete guide on checking points across all banks, see our How to Check Points Balance guide.

Frequently Asked Questions

How much are ICICI credit card points worth?

ICICI credit card reward points are worth Rs 0.25-0.50 per point depending on the card variant. ICICI Sapphiro gives the best per-point value at Rs 0.40-0.50 via Cashard, while Coral gives Rs 0.25-0.30.

Can I sell ICICI credit card points for cash?

Yes. Cashard buys ICICI credit card reward points at competitive rates. Payment via UPI within 24 hours. No card credentials needed — we guide you through the transfer step by step.

Do ICICI reward points expire?

Yes. ICICI Bank credit card reward points expire 2 years after earning. Check your iMobile app for exact expiry dates and sell or redeem before they vanish.

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ICICI Credit Card Points Value 2026 — Coral, Rubyx, Sapphiro & More