MakeMyTrip ICICI Bank vs ICICI Bank Coral (2026)
ICICI Bank's own upgrade question: ₹500/yr against ₹999/yr for 0.5pp more headline earn.
Head to head
| MakeMyTrip ICICI Bank | Metric | ICICI Bank Coral |
|---|---|---|
| #68 — wins this row | Our rank | #96 |
| ₹999/yr | Fee — joining · annual (+ GST) | ₹500/yr — wins this row |
| ₹3,00,000 spend | Fee waiver | ₹1,50,000 spend |
| 0.99% + GST — wins this row | Forex markup | 3.5% + GST |
| 3.75%/mo (45%/yr) | APR | 3.75%/mo (45%/yr) |
| 1.0% — wins this row | Headline earn rate | 0.5% |
| MakeMyTrip myCash | Currency | ICICI Reward Points |
| ₹1.00/pt | House value | ₹1.00/pt † |
| ₹1,000 MakeMyTrip voucher (valid 1 year) + MMTBLACK Gold membership; ₹1,000 more on every renewal (valid 3 months) | Welcome benefit | — |
| 726 of 789 — wins this row | Lounge doors opened | 94 of 789 |
† ICICI Bank Coral: Coral redeems ICICI Reward Points at ₹0.25 apiece — a quarter of the ₹1.00 house value the Emeralde Private earns on iShop travel. ICICI publishes no per-point value for Coral itself, but the identically-programmed Rubyx membership kit states it outright: "Each reward point is equivalent to ₹0.25 when redeemed for cash." The ₹1 rate is documented only for Emeralde Private Metal and Times Black. earn.base already bakes the haircut in.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: MakeMyTrip ICICI Bank and ICICI Bank Coral are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
MakeMyTrip ICICI Bank out-earns ICICI Bank Coral at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
MakeMyTrip ICICI Bank leads at all 20 steps, but not by the same amount: ₹1,500 at ₹0.25L a month, ₹42,500 at ₹5L — the gap fans out with spend, widest at ₹5L (₹42,500).
ICICI Bank Coral pays 9 annual spend milestones, the first at ₹2,00,000 a year, and MakeMyTrip ICICI Bank pays none; MakeMyTrip ICICI Bank pays a renewal bonus whatever you spend, and ICICI Bank Coral pays nothing to stay.
MakeMyTrip ICICI Bank draws above the line, ICICI Bank Coral below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank | ICICI Bank Coral | In front |
|---|---|---|---|
| ₹0.25L | ₹3,750 | ₹2,250 | MakeMyTrip ICICI Bank by ₹1,500 |
| ₹0.5L | ₹7,500 | ₹4,500 | MakeMyTrip ICICI Bank by ₹3,000 |
| ₹0.75L | ₹11,250 | ₹6,750 | MakeMyTrip ICICI Bank by ₹4,500 |
| ₹1L | ₹15,000 | ₹8,500 | MakeMyTrip ICICI Bank by ₹6,500 |
| ₹1.25L | ₹18,750 | ₹10,000 | MakeMyTrip ICICI Bank by ₹8,750 |
| ₹1.5L | ₹22,500 | ₹11,500 | MakeMyTrip ICICI Bank by ₹11,000 |
| ₹1.75L | ₹26,250 | ₹13,000 | MakeMyTrip ICICI Bank by ₹13,250 |
| ₹2L | ₹30,000 | ₹14,500 | MakeMyTrip ICICI Bank by ₹15,500 |
| ₹2.25L | ₹33,750 | ₹16,000 | MakeMyTrip ICICI Bank by ₹17,750 |
| ₹2.5L | ₹37,500 | ₹17,500 | MakeMyTrip ICICI Bank by ₹20,000 |
| ₹2.75L | ₹41,250 | ₹19,000 | MakeMyTrip ICICI Bank by ₹22,250 |
| ₹3L | ₹45,000 | ₹20,500 | MakeMyTrip ICICI Bank by ₹24,500 |
| ₹3.25L | ₹48,750 | ₹22,000 | MakeMyTrip ICICI Bank by ₹26,750 |
| ₹3.5L | ₹52,500 | ₹23,500 | MakeMyTrip ICICI Bank by ₹29,000 |
| ₹3.75L | ₹56,250 | ₹25,000 | MakeMyTrip ICICI Bank by ₹31,250 |
| ₹4L | ₹60,000 | ₹26,500 | MakeMyTrip ICICI Bank by ₹33,500 |
| ₹4.25L | ₹63,750 | ₹28,000 | MakeMyTrip ICICI Bank by ₹35,750 |
| ₹4.5L | ₹67,500 | ₹29,500 | MakeMyTrip ICICI Bank by ₹38,000 |
| ₹4.75L | ₹71,250 | ₹31,000 | MakeMyTrip ICICI Bank by ₹40,250 |
| ₹5L | ₹75,000 | ₹32,500 | MakeMyTrip ICICI Bank by ₹42,500 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
MakeMyTrip ICICI Bank · 1 more →
- myCash is a closed MakeMyTrip wallet — no transfers, no cash-out, per-booking caps
- Base earn off-MMT is a flat 1%
- Domestic lounges need ₹75k of prior-quarter spend
ICICI Bank Coral · 2 more →
- 0.5% reward rate — points redeem at just ₹0.25
- No welcome benefit whatsoever
- 3.5% forex — the wrong card abroad
The call
For the ₹1L/month spender, MakeMyTrip ICICI Bank nets ₹15,000 against ₹8,500 — a ₹6,500 gap. At ₹5L/month, MakeMyTrip ICICI Bank nets ₹75,000 against ₹32,500 — a ₹42,500 gap. Lounge chasers: MakeMyTrip ICICI Bank opens 726 of 789 tracked doors to ICICI Bank Coral's 94.
Our standing verdicts: MakeMyTrip ICICI Bank — Keep; ICICI Bank Coral — Downgrade. On our board, MakeMyTrip ICICI Bank sits at #68 to ICICI Bank Coral's #96 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, MakeMyTrip ICICI Bank or ICICI Bank Coral?
MakeMyTrip ICICI Bank. It sits at #68 on our board to ICICI Bank Coral's #96. MakeMyTrip ICICI Bank takes 7 of the 8 rounds we can score. MakeMyTrip ICICI Bank out-earns ICICI Bank Coral at every spend level we model, from ₹25k to ₹5L a month.
MakeMyTrip ICICI Bank or ICICI Bank Coral — which earns more at ₹3L a month?
At ₹3L a month, MakeMyTrip ICICI Bank nets ₹45,000 against ₹20,500 — a ₹24,500 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, MakeMyTrip ICICI Bank or ICICI Bank Coral?
ICICI Bank Coral — ₹500/yr against ₹999/yr. MakeMyTrip ICICI Bank waives its fee at ₹3,00,000 of spend; ICICI Bank Coral at ₹1,50,000 of spend.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank or ICICI Bank Coral?
Lounge chasers: MakeMyTrip ICICI Bank opens 726 of 789 tracked doors to ICICI Bank Coral's 94. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: MakeMyTrip ICICI Bank on 2026-08-05, ICICI Bank Coral on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.