The ICICI Coral Credit Card is a good choice for beginners who are new to credit cards. It comes with benefits like reward points, free airport and railway lounge visits, movie discounts, and dining offers. The card has a low annual fee of Rs. 500, making it easy to maintain while also helping you build your credit score. If you choose the RuPay variant, you also get extra benefits like 24×7 concierge service and insurance cover. However, if you want higher rewards or more premium benefits, you may need to look at other cards.
ICICI Coral Credit Card Rewards Program
Rewards Program ICICI Coral Credit Card users earn reward points on every Rs. 100 spent:
2 reward points on all retail purchases
1 reward point on utility and insurance bills
Milestone Bonus
Earn 2,000 reward points on spending Rs. 2 lakh in a year
Earn 1,000 reward points for every additional Rs. 1 lakh spent after reaching Rs. 2 lakh
Redemption Options You can redeem your ICICI Coral reward points across various categories like health, beauty, travel, fashion, lifestyle, home appliances, electronics, shopping vouchers, and more.
Other Features and Benefits
Complimentary Lounge Access
1 domestic airport lounge visit per quarter on spending a minimum of Rs. 75,000 in a quarter
4 railway lounge visits per year
Fuel Benefit
1% fuel surcharge waiver on HPCL fuel spends between Rs. 400 and Rs. 4,000
Movie Benefit
25% off (up to Rs. 100) on a minimum booking of 2 tickets on INOX and BookMyShow, twice per month
Dining Offer
Discounts at partner restaurants under the ICICI Bank Culinary Treats program
Fee Waiver
Annual fee waived on spending Rs. 1.5 lakh in the previous year
RuPay Card Benefits
24×7 concierge assistance
Personal insurance cover worth Rs. 2 lakh
Fees and Charges
Particulars
Amount
Joining/Annual Fee
Rs. 500 + Applicable Taxes
Finance Charges
3.75% per month (or 45% per annum)
Late Payment Charges
On outstanding balance of –
Amount
Less than Rs. 100
Nil
Rs. 100 to Rs. 500
Rs. 100
Rs. 501 to Rs. 1,000
Rs. 500
Rs. 1,001 to Rs. 5,000
Rs. 600
Rs. 5,001 to Rs. 10,000
Rs. 750
Rs. 10,001 to Rs. 25,000
Rs. 900
Rs. 25,001 to Rs. 50,000
Rs. 1,100
More than Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You want a low-cost, entry-level credit card with a small annual fee
You can spend Rs. 2 lakh or more in a year to unlock milestone bonus rewards
You are looking for a card that offers rewards along with useful lifestyle benefits like dining, movies, and lounge access
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For ICICI Coral Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
ICICI Coral Credit Card Hilights
What do we like about this card?
Earn 1 reward point for every Rs. 100 spent on utilities and insurance.
Earn 2 reward points for every Rs. 100 spent on other purchases (excluding fuel).
Get up to 10,000 bonus reward points each year through the Milestone Program.
Enjoy 1 complimentary domestic airport lounge visit per quarter.
Get 1 complimentary railway lounge pass per quarter.
Save up to 25% on movie tickets at BookMyShow and INOX.
Avail exclusive dining discounts through the ICICI Bank Culinary Treats Programme.
Pros
Low annual fee with easy waiver on spending
Earn up to 10,000 milestone reward points annually
Save up to Rs. 4,800 on movie tickets
Up to 4 free domestic airport and railway lounge visits per year
Dining discounts via platforms like Zomato, EazyDiner, and Swiggy
Cons
Low rewards earning rate and limited redemption value
Airport lounge access comes with a spending condition
ICICI Bank Credit Card Contact Details
ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
Simply SMS: Send an SMS to 5676766 from your registered mobile number.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, you can enjoy 2 movie tickets per month on BookMyShow and INOX.
A fee of 2.5% of the withdrawn amount (minimum Rs. 500) is charged, plus an interest rate of 3.75% per month until repayment.
Yes, it has an embedded chip that ensures secure transactions at stores and ATMs.
No, this card provides complimentary access only to domestic airport and railway lounges.
Earn 2 reward points on every Rs. 100 spent on retail purchases and 1 reward point on utility and insurance spends.
Yes, you get 2,000 reward points on spending Rs. 2 lakh annually and 1,000 points for every additional Rs. 1 lakh spent.
Yes, spending Rs. 1.5 lakh in the previous year waives the annual fee.
Yes, it includes 24×7 concierge services and personal insurance cover worth Rs. 2 lakh.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card