
ICICI Bank Coral Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
Basic rewards: Compared to other cards, the 2x point rate is relatively low.
Limited lounge access: Only one visit per quarter might not be sufficient for frequent travellers.
Movie benefit restrictions: Applicable only twice a month with limited ticket value.
Rewards system: The value of 1 reward point for ICICI Bank Coral credit card is Rs. 0.25. Users will earn 2 reward points on every Rs. 100 spent on their card (except fuel), effective cashback rate: 0.50%. Users will earn 1 reward point on every Rs.100 spent on utilities and insurance categories, effective cashback rate: 0.25%.
Milestone benefit: Users will get 2000 reward points on spending Rs. 2,00,000 on their card and 1000 reward points each time they cross Rs. 1,00,000 spending thereafter in an anniversary year, a maximum of 10,000 reward points per year.
Travel Benefits: Customers can avail 1 complimentary access, per quarter, to select airport lounges in India and one complimentary domestic railway lounge visit.
Movie Offer: Customers can also avail 25% discount, of ₹ 100 on BookMyShow and Inox.
Rewards & Benifits
Welcome Benefits
None
Rewards System
The value of 1 reward point for ICICI Bank Coral credit card is Rs. 0.25.
Users will earn 2 reward points on every Rs. 100 spent on their card (except fuel), effective cashback rate: 0.50%.
Users will earn 1 reward point on every Rs.100 spent on utilities and insurance categories, effective cashback rate: 0.25%.
International Forex Markup
Up to 3.5%
Welcome Benefits and Reward System
Special Features
One complimentary domestic railway lounge visit.
Eligibility Criteria
Age:
Primary cardholder: Must be above 21 years old.
Supplementary cardholder: Must be above 18 years old (some variants might have a higher minimum age).
Nationality:
Must be an Indian citizen.
Occupation:
Salaried, self-employed, or professional.
Minimum Income:
This varies depending on your location and card variant. For example, in Indore, Madhya Pradesh, the minimum income requirement for the Coral Credit Card might be around Rs. 25,000 per month for salaried individuals and Rs. 40,000 per month for self-employed individuals.
Credit Score:
You should have a good credit score to be eligible for the card. ICICI Bank doesn't specify the minimum score, but generally, a score above 700 is considered good.
Benefits
Airport lounge access.
Movie discounts.
Personal accident insurance cover.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: You must be at least 18 years old with a regular source of income and meet the bank's minimum credit score requirements.
Apply online: Visit the ICICI Bank website (https://www.icicibank.com/personal-banking/cards/credit-card/coral-card) and fill in the application form.
Documents required:Proof of identity (PAN card, Aadhaar card, etc.)
Proof of address (driving license, utility bills, etc.)
Income proof (salary slips, ITR documents, etc.)
Processing & approval: The bank will process your application and check your credit score. You will be notified of the decision within a few days.Card delivery: Once approved, your card will be delivered to your registered address within 7-10 business days.
Contact Details
1800 1080
Account Opening and Procedure



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Pros:-
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Cons:-
Rewards system: The value of 1 reward point for ICICI Bank Coral credit card is Rs. 0.25. Users will earn 2 reward points on every Rs. 100 spent on their card (except fuel), effective cashback rate: 0.50%. Users will earn 1 reward point on every Rs.100 spent on utilities and insurance categories, effective cashback rate: 0.25%.
Milestone benefit: Users will get 2000 reward points on spending Rs. 2,00,000 on their card and 1000 reward points each time they cross Rs. 1,00,000 spending thereafter in an anniversary year, a maximum of 10,000 reward points per year.
Travel Benefits: Customers can avail 1 complimentary access, per quarter, to select airport lounges in India and one complimentary domestic railway lounge visit.
Movie Offer: Customers can also avail 25% discount, of ₹ 100 on BookMyShow and Inox.
Basic rewards: Compared to other cards, the 2x point rate is relatively low.
Limited lounge access: Only one visit per quarter might not be sufficient for frequent travellers.
Movie benefit restrictions: Applicable only twice a month with limited ticket value.
The ICICI Coral Credit Card is a decent entry-level option for individuals with moderate spending who value lounge access and basic rewards. However, its low reward rate and limited benefits might not be appealing to frequent travelers or high spenders. Consider your spending habits and compare with other cards offering higher cashback, specific category rewards, or better travel/dining perks for optimal value.
ICICI Coral Credit Card

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fee: Rs 500+GST
Annual Fee: Rs 500+GST
Interest Rates: 3.50%p.m. and 42%p.a.
Late payment charges: ₹ 100 per instance.
Cash advance charges: 2.50% of the amount or ₹300, whichever is higher.
Fuel Surcharge
Surcharge waiver of 1% of transaction value on all petrol pumps on select cards.
Billing Cycle
30 Days