ICICI Credit Card Reward Points are one of the biggest reasons people choose an ICICI credit card for their daily spending. Whether you shop online, dine at restaurants, book travel, or pay utility bills, you earn ICICI reward points on almost every eligible transaction. These points work like a value-back system, where your regular spends slowly turn into real benefits such as vouchers, products, or travel bookings.
The best part about ICICI credit card reward points is their flexibility. You can accumulate points over time and redeem them in multiple ways based on your needs. However, the ICICI credit card reward points value may vary depending on how and where you redeem them, which makes it important to understand how the system works. In this guide, we’ll explain how ICICI credit card points are earned, their actual value, and the smartest ways to use them to get maximum benefits from your card issued by ICICI Bank.
Top ICICI Credit Cards for Reward Points
ICICI Bank reward points are designed to give you extra value on your everyday spending. Whether you use a credit card or a debit card, ICICI allows you to earn points on eligible transactions and later use them for vouchers, products, or travel bookings. Understanding how ICICI Bank redeem reward points works is important because the actual benefit depends on where and how you redeem them.
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Many users earn points regularly but are unsure about the ICICI credit card points value or the correct ICICI redeem process. The redemption value can change based on the option you choose, such as shopping vouchers, merchandise, or travel. ICICI also offers ICICI Bank debit card reward points, though the earning and value structure may differ from credit cards. The table below explains the basics in a simple and clear way, as offered by ICICI Bank.
ICICI Bank Credit Card | Annual Fee | Reward Benefits |
ICICI Bank Coral Credit Card | ₹500 | • 2 PAYBACK points on every ₹100 spent (except fuel) • 1 PAYBACK point on every ₹100 spent on utilities and insurance |
ICICI Bank Rubyx Credit Card | ₹2,000 | • 2 reward points on every ₹100 domestic spend (except fuel) • 4 reward points on every ₹100 international spend • 1 reward point on every ₹100 spent on utilities and insurance |
ICICI Bank Sapphiro Credit Card | ₹3,500 | • 2 reward points on every ₹100 domestic spend (except fuel) • 4 reward points on every ₹100 international spend • 1 reward point on every ₹100 spent on utilities and insurance |
MakeMyTrip ICICI Bank Platinum Credit Card | Nil | • 1 My Cash per ₹200 domestic spend and 1.25 My Cash per ₹200 international spend (outside MakeMyTrip) • 2 My Cash per ₹200 on flight bookings and 3 My Cash per ₹200 on hotel/holiday bookings via MakeMyTrip |
ICICI Platinum Chip Credit Card | Nil | • 2 reward points per ₹100 retail spend (except fuel) • 1 reward point per ₹100 spent on utilities and insurance |
ICICI HPCL Super Saver Credit Card | ₹500 | • 2 reward points per ₹100 retail spends (except fuel) • Bonus rewards/cashback on fuel & utilities at HPCL pumps and via HP Pay app (effectively earns additional rewards) |
Adani One ICICI Platinum Credit Card | ~₹750 | • 3–7% Adani reward points on spends across the Adani One ecosystem • Reward points on domestic & international spends • Lounge & lifestyle benefits (bonus rewards on specific categories) |
ICICI Bank Emeralde (Private Metal) Credit Card | ₹12,000+ | • Higher reward points on all retail spends (e.g., up to 2.5% of value in points) • Milestone reward points on annual spends • Unlimited golf rounds, travel & lifestyle perks along with rewards |
Times Black ICICI Bank Credit Card | ₹20,000 | • ~2% reward points on domestic spends and ~2.5% on international spends • Unlimited lounge access and additional luxury lifestyle benefits (reward point conversions available) |
How To Earn Credit Card Reward Points?
ICICI Bank allows you to earn rewards across multiple spending categories, making it easy to collect ICICI reward points on your everyday expenses. By using your card smartly, you can increase your ICICI credit card reward points balance faster and improve the overall ICICI credit card reward points value. Below are some simple and effective ways to earn ICICI credit card points efficiently:
- Regular Spending: Use your ICICI credit card for daily expenses such as groceries, dining, online shopping, and retail purchases. Most eligible transactions earn reward points on every spend.
- High-Value Purchases: Big-ticket expenses like jewellery, electronics, travel bookings, and holiday packages help you accumulate ICICI credit card reward points at a much faster pace.
- Online & Digital Payments: Paying utility bills, subscriptions, and shopping online using your card adds consistent ICICI reward points from routine monthly expenses.
- Supplementary Credit Cards: You can add up to two supplementary cards for family members above 18 years of age. All spends made using these cards earn ICICI credit card points in the same account, helping you grow rewards quicker.
How To Reedem Credit Card Reward Points?
ICICI Bank allows cardholders to redeem reward points online using Internet Banking. If you do not have login details, you can contact ICICI’s 24-hour customer care to generate them. Follow the steps below to understand how to redeem ICICI credit card reward points smoothly:
Step 1: Visit the official ICICI website and log in using your Internet Banking ID and password to begin the ICICI redeem process.
Step 2: Go to the Credit Cards section and click on the Reward Points option to check your balance through ICICI credit card reward points check.
Step 3: Select Redeem Online to start the ICICI credit card reward points redeem journey.
Step 4: Choose your preferred redemption option such as vouchers, products, or statement credit to understand the ICICI credit card points value.
Step 5: Confirm the redemption request and save the order reference number for tracking when you ICICI bank redeem reward points.
This is the most reliable way to know how to redeem ICICI credit card points, including options often searched as how to redeem ICICI credit card reward points to cash (usually via vouchers or statement credit, not direct cash).
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How to Redeem PAYBACK Points?
- Visit the official PAYBACK or ICICI website and complete your ICICI Payback login using your registered mobile number or credentials.
- Check your available ICICI Bank Payback points balance under the rewards section.
- Browse vouchers, products, travel deals, or brand offers listed for ICICI Bank Payback users.
- Select the reward you want and review the PAYBACK points required for redemption.
- Confirm your ICICI Payback points redemption request after checking any applicable charges.
- Receive vouchers instantly via SMS or email, while products are delivered within a few working days.
These steps help you redeem ICICI Bank Payback points quickly and make the most of your earned rewards.
How to Convert ICICI Reward Points into InterMiles?
- Log in to ICICI Net Banking using your ICICI credit card reward points login details to start the process.
- Go to the Credit Cards section and open the ICICI Reward Catalogue to view available redemption options.
- Select the InterMiles transfer option listed under ICICI Payback or rewards partners (available on select cards).
- Check the conversion ratio using the ICICI Reward Points Calculator to understand the points-to-miles value.
- Enter your InterMiles membership number and confirm the transfer request.
- Redeemed points are converted into InterMiles within the given timeline and reflected in your InterMiles account.
- Note that payback in ICICI applies mainly to older cards, while newer cards may follow a different rewards structure.
- ICICI debit card points usually cannot be converted into InterMiles and are limited to catalogue redemptions only.
By following these steps, you can easily convert your ICICI reward points into travel miles and get better value from your rewards offered by ICICI Bank.
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ICICI Reward Points Terms & Conditions
- ICICI reward points are earned only on eligible transactions made using ICICI credit cards.
- ICICI credit card reward points are not awarded on fuel spends, cash advances, wallet loads, or EMI conversions.
- Utility bills and insurance payments earn ICICI credit card points at a lower rate compared to retail spends.
- Reward points are credited after the transaction is settled and reflected in the monthly statement.
- The ICICI credit card reward points value varies depending on the redemption option selected.
- Reward points have a fixed validity period and expire if not redeemed within the given timeline.
- A redemption or processing fee may apply when you use your ICICI credit card reward points.
- Reward points cannot be transferred to another cardholder or converted directly into cash.
- ICICI Bank reserves the right to change reward structures, exclusions, or point value at any time.
These terms help you understand how ICICI credit card reward points work and how to use them effectively without losing value, as defined by ICICI Bank.
ICICI Bank Rewards Catalogue
Once you have accumulated enough reward points, you can easily redeem ICICI reward points to purchase vouchers, merchandise, or other exciting items from ICICI Bank’s official ICICI reward catalogue. This catalogue is designed to help users understand how to use ICICI credit card reward points and choose rewards that offer good value.
The ICICI reward catalogue offers a wide variety of redemption options across multiple categories, including:
- E-gift vouchers
- Charity donations
- Automobiles & accessories
- Electronics & gadgets
- Health & beauty products
- Home & kitchen essentials
- Fashion & lifestyle items
- Books & stationery
- Bags & luggage
- Food & dining vouchers
For users holding older cards with ICICI Payback points, the catalogue clearly shows available redemption options under payback in ICICI. You can also view the complete list of vouchers and products along with their reward codes and the number of points required in the “Rewards at a Glance” section, making it easy to plan and redeem ICICI reward points wisely.
Faqs – ICICI Credit Card Reward Points
How to do ICICI credit card reward points login?
You can complete ICICI credit card reward points login through ICICI Net Banking or the iMobile app using your registered credentials.
How to redeem ICICI credit card reward points to cash?
Direct cash transfer is not available; how to redeem ICICI credit card reward points to cash usually means converting points into vouchers or statement credit (if supported).
How to redeem ICICI Bank reward points redeem online?
For ICICI Bank reward points redeem online, log in to net banking, go to Credit Cards → Rewards, and choose the redemption option.
How to do ICICI Credit Card Reward Points check online?
You can do an ICICI Credit Card Reward Points check online via net banking, iMobile app, or your monthly statement.
How does the ICICI credit card reward points calculator work?
The ICICI credit card reward points calculator helps you estimate how many points you’ll earn or need based on spending and redemption type.
Is ICICI Bank Credit Card reward points redemption catalogue PDF available?
The ICICI Bank Credit Card reward points redemption catalogue PDF may be available on ICICI’s website or inside the rewards section after login.
How to use ICICI credit card reward points?
To know how to use ICICI credit card reward points, redeem them for vouchers, travel bookings, products, or statement credit through the rewards portal.
How to redeem ICICI Credit Card reward points in iMobile app?
To redeem ICICI Credit Card reward points in iMobile app, log in, go to Credit Cards, tap Rewards, and follow the redemption steps.
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