Everything About ICICI Bank Coral Credit Card in simple Bullet Points

ICICI Bank Coral Credit Card Review – Features, Benefits & Fees

Feature	Details
Issuer	ICICI Bank
Card Type	Reward points
Joining Fee	₹ 500+ GST
Annual Fee	₹ 500+ GST (Waived on spending ₹ 1.5 lakh)
Add-on Fee	Nill
Joining Benefits	10,000 reward points every anniversary year
Best Suited For	Movies & Dining
Reward Rate	2 RP per ₹100 spent except for fuel 1 RP per ₹100 spent for utilities and insurance
Reward Redemption	1 RP = ₹ 0.5, which can be redeemed for cash or gift
Reward Redemption Fee	₹99 per redemption request
Lounge Access	International– N/A Domestic -1 per quarter ( 4 each year) on minimum spending ₹ 75K per quarter
Fuel Surcharge Waiver	1 %Fuel surcharge waiver only on HPCL station
Movie Tickets & Dining	On Movie-25 % discount up to ₹ 100 on movie with Book My Show On dining-15 % discount

Rewards & Cashback 💰

Spend Category	Reward Points / Cashback
Departmental Store, Grocery Spend, Dining	Get 2X reward points
Utilities and Insurance	Get 1X reward points
Fuel	No Reward points, 1 %Fuel surcharge waiver on HPCL station
Cashback	1 RP = ₹ 0.5, which can be redeemed for cash or gift

Milestone Benefits 🎯

• Earn 2,000 Reward Points when you spend ₹2,00,000 in a year.
• After that, get 1,000 Reward Points for every additional ₹1,00,000 spent.
• You can earn a maximum of 10,000 Reward Points in a year.

Lounge Access 💺

Lounge Type	Access
International Lounge Program	No International Lounge access
Domestic Lounge Program	1 Complimentary Domestic Airport Lounge Visits per quarter

Fees & Charges 💵 ✨

Charge Type	Amount
Joining Fee	₹500 + applicable taxes
Annual Fee	₹500 + applicable taxes (Waived on spending ₹ 1.5 lakh)
Interest Rate	3.40% per month (40.8% per annum)
Foreign Exchange Markup	3.5%+GST of the amount withdrawal

Eligibility & Documents Required 📑

Criteria	Requirement
Age for Primary Cardholder	Min 21 Year
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

📌 Note: Eligibility criteria may vary based on the bank’s internal policy.

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.

Pros & Cons ⚖️

✅ Pros of ICICI Coral Credit Card

✔ 1% Fuel Surcharge Waiver – Save on fuel expenses at all HPCL petrol pumps when you use ICICI Bank swipe machines.

✔ Reward Points Redemption – Earn reward points on every spend, which can be redeemed for cash, gifts, or exciting offers.

❌ Cons of ICICI Coral Credit Card

✖ ₹500 Joining & Annual Fee – The card comes with a one-time joining fee of ₹500 and an annual renewal fee of ₹500.

✖ Limited Airport Lounge Access – Enjoy restricted complimentary lounge visits per quarter at select domestic airports.

Final Verdict – Should You Get This Card?

Yes, you should go for that card, if you are new to credit cards.

📢 Best for: Movie tickets, 25% discount up to ₹100
⚡ Not ideal for: If you travel frequently.

💡 If you frequently spend on movie tickets, this card can be a great option.

FAQs on ICICI Coral Credit Card