The ICICI Bank Coral Credit Card is an entry level card from ICICI Bank, one of the largest card issuers in India. It is a popular card for those starting their credit journey. It provides some good perks like complimentary access to airport and railway lounges, and movie benefits.
You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.
Exception –
– No reward points are given on fuel purchases.
– 0.25% benefit is given on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹ 100 you spend on utilities and insurance spends.
1 reward point = ₹0.25 or 25 paise. You can redeem your reward points for various options, including shopping, travel and entertainment vouchers. You can redeem either through internet banking, mobile banking or by calling the call center. Reward points are valid for 3 years from the date of issuance.
You earn 2000 ICICI Bank Reward Points worth ₹500, by spending ₹2 lakhs on your card within a year – under the new ICICI Bank milestone rewards program.
You get additional 1000 ICICI Bank Reward Points worth ₹250, on each additional ₹1 lakh you spend on your card, within an anniversary year.
You can earn a maximum of 10,000 ICICI Bank Reward Points per year, under this milestone rewards program.
You get 1 free visit per quarter, for list of lounges and other details, please click here.
Please note that this benefit is offered in a particular quarter only if you have spent a minimum of ₹35000 on your card in the previous quarter. This change is effective from 01 April 2024. For example, to be eligible for complimentary lounge access in ‘Apr-May-Jun 2024 Quarter’, you need to spend a minimum of ₹35,000 in the ‘January-February-March 2024 Quarter’ and similarly for the following quarters.
You get 1 free visit per quarter.
For details, please click here.
When you purchase a minimum of two tickets, you get a 25% discount (upto a ₹100). Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.
You can avail this offer 2 times a month.
Note : If you have an American Express version of this credit card, you will not be given upfront discount on BookMyShow app/website. Instead the applicable cashback will be credited into your card statement within 60 days of the transaction.
When you purchase a minimum of two tickets, you get a 25% discount (upto a ₹100). Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.
You can avail this offer 2 times a month.
You get a 1% fuel surcharge waiver, on all fuel transactions upto ₹4000, at HPCL outlets.
You get attractive discounts & cashback offers on your shopping, travel and lifestyle needs
For latest list of offers, please click here ICICI Shopping, Travel & Lifestyle Offers
Please click here for all the options to contact the bank
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹500 | – |
| Renewal fee from 2nd year onwards | ₹500 | Renewal fee offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹1.50 lakhs or more in the previous year on your card. |
| Fee | |
|---|---|
| Finance charges | 3.40% per month |
| Card over-limit fees | 2.50% on the over-limit amount (subject to a minimum of ₹550) |
| Foreign transaction fee | 3.50% of transaction amount |
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – ICICI Coral Credit Cards & Charges
| Minimum age | 21 years or above |
| Minimum income requirement | ₹5 lakhs per year |
| Occupation | Salaried or self-employed |
| Other criteria | Regular source of income, good credit score , low credit utilisation, length of repayment history etc. |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the ICICI Bank website. You can also visit official website of the bank and fill out the application form. Steps : – Fill in the application form with the required personal and financial information. – Submit the application form and wait for a decision from ICICI Bank. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. To find the branch nearest to you, visit here. |
| You can track the status of your application through the ICICI webpage. | STEPS : 1. Visit the ICICI Bank official website and navigate to the ‘Track Application’ page. 2. Enter the required details – mobile number and date of birth OR mobile number, application number and date of birth 3. Click on the ‘Submit’ button to check the status of your application. 4. The page will display the current status of your application, whether it is under processing, approved, or rejected. 5. If your application is approved, you will receive a notification from ICICI Bank regarding the dispatch of your ICICI Coral Credit Card. |
| Required documents | – Income documents – PAN card – Identity proof : Aadhaar card , or any other government-issued ID proof – Residence address proof : Recent utility bill or rental agreement The bank may also ask for additional documents on a case to case basis, if required. |
The ICICI Coral Credit Card is an entry level card from ICICI Bank, one of the largest card issuers in India. It is a popular card for those starting their credit journey. It provides some good perks like complimentary access to airport and railway lounges, and movie benefits.
However , one can get better rewards from other cards available in the marketplace.
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