ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is an entry-level credit card. It provides a decent rewards rate even for utilities and insurance. The ICICI Bank Coral credit card is a good choice for those who want to generate a good credit score with a low maintenance credit card because it comes only with a joining fee of INR 500 + GST.

You are getting airport and railway lounge access and a discount on movie tickets as well.

You will get 2 ICICI reward points on every INR 100 spent on all purchases (except fuel) and one ICICI reward point on every INR 100 spent on utilities and insurance categories.

Read the full article to know how this ICICI Bank Coral credit card is going to be beneficial for you.

ICICI Bank Coral Credit Card: Features, Benefits & Fees

Feature	Details
Issuer	ICICI Bank
Card Type	Reward points
Joining Fee	INR 500 + GST
Annual Fee	INR 500 + GST (Waived on spending INR 1.5 lakh)
Add-on Fee	Nil
Joining Benefits	10,000 reward points every anniversary year
Best Suited For	Movies & Dining
Reward Rate	2 RP per INR 100 spent, except for fuel 1 RP per INR 100 spent for utilities and insurance
Reward Redemption	1 RP = INR 0.5, which can be redeemed for cash or a gift
Reward Redemption Fee	₹99 per redemption request
Lounge Access	International-Not available Domestic -1 per quarter (4 each year) on minimum spending of INR 75K per quarter
Fuel Surcharge Waiver	1% fuel surcharge waiver only on HPCL stations
Movie Tickets & Dining	On movie: 25 % discount up to INR 100 on the movie with BookMyShow On dining: 15 % discount

Rewards for ICICI Bank Coral Credit Card

Spend Category	Reward Points
Departmental Store, Grocery Spend, Dining	Get 2X reward points
Utilities and Insurance	Get 1X reward points
Fuel	1% fuel surcharge waiver on HPCL stations only (maximum transaction INR 4,000)
Movies	25% discount up to INR 100 on the purchase of a minimum of two tickets up to two times in one month on BookMyShow and INOX
Cashback	1 RP = INR 0.5, which can be redeemed for cash or a gift

Reward Points redemption

You can redeem ICICI reward points for movies, travel vouchers, lifestyle products, mobiles, and appliances.

Milestone Benefits for ICICI Bank Coral Credit Card

• You will earn 2,000 reward points when you spend INR 200,000 in a year.
• After that, get 1,000 reward points for every additional INR 100,000 spent.
• You can earn a maximum of 10,000 reward points in a year.

Lounge Access for ICICI Bank Coral Credit Card

After you spend a minimum of INR 75,000 in one quarter, then in the next quarter you are eligible for one complimentary domestic airport lounge access for the primary cardholder only, not for add-on cardholders.

Click here for the complete list of airport lounges.

Lounge Type	Access
International Lounge Program	No International Lounge access
Domestic Lounge Program	1 complimentary domestic airport lounge visit per quarter

Fees & Charges for ICICI Bank Coral Credit Card

Charge Type	Amount
Joining Fee	INR 500 + applicable taxes
Annual Fee	INR 500 + applicable taxes (Waived on spending INR 1.5 lakh)
Interest Rate (In case of default)	3.75% per month (45% per annum)
Foreign Exchange Markup	3.5% + GST on the amount withdrawn
Education Payment	1% of the transaction amount
Cash Advance Transaction Fee	2.5% of the advance amount (minimum INR 500)
Overlimit Charges	2.5% of the over-limit amount (minimum INR 550)
Fee on cash payment at branches	INR 100 per payment
Card Validation Charges (lounges within India)	INR 2 shall be taken
Late Payment Charges	Less than INR 100 None Between INR 100- INR 500: INR 100 Between INR 501- INR 1,000: INR 500 Between INR 1,001- INR 5,001: INR 600 Between INR 5,001- INR 10,000: INR 750 Between INR 10,001- INR 25,000: INR 900 Between INR 25,001- INR 50,000: INR 1,100 More than 50,000 INR 1,300

Capping on Reward Points

Card Name	Utility spend	Insurance spend	Grocery and Departmental Spend
ICICI Bank Coral Credit Card	INR 40,000	INR 40,000	INR 20,000

Eligibility & Documents Required

Criteria	Requirement
Age for Primary Cardholder	Min 21 years
Age for Add-on Cardholder	18 Years and above
Income	Not officially disclosed by SBI
Credit Score	Recommended: 750+
Documents Required	PAN Card, Aadhar, Income Proof, Address Proof
Residential Status	Indian Resident only

How to Apply for an ICICI Bank Coral Credit Card Online?

• Step 1: Visit the www.icicibank.com website or the nearest branch.
• Step 2: Go to the “Cards” section and select “Credit Cards.”
• Step 3: Scroll down to find the ICICI Coral Credit Card and click on “Apply Now.”
• Step 4: Enter your date of birth (DOB), PAN card details, and full name.
• Step 5: Submit your details and wait for verification and approval.
• Step 6: Once approved, your credit card will be delivered to your registered address.

Check your eligibility

Pros & Cons of ICICI Bank Coral Credit Card

Pros of ICICI Coral Credit Card

• 25% discount on movie tickets on BookMyShow and INOX, and getting airport lounge access as well.
• 1% fuel surcharge waiver at all HPCL petrol pumps when you use ICICI Bank swipe machines.
• You can redeem reward points for cash, gifts, or movies.

Cons of ICICI Coral Credit Card

• This is a reward points credit card that forces you to redeem rewards before they expire.
• The INR 500 joining and annual fee is slightly higher; it should be free of cost.

Verdict: Should You Get the ICICI Bank Coral Credit Card?

Yes, you should go for that card if you are new to credit cards. This card will help you build a good credit score, and all the perks that this credit card offers are pretty decent.

There is always an offer running on Amazon and Flipkart for ICICI cards.

FAQs on ICICI Coral Credit Card