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Last updated: 01-06-2026
ICICI Bank Coral Credit Card
ICICI Bank

ICICI Bank Coral Credit Card

"ICICI's most popular entry card โ€” 2 reward points per โ‚น100 with movie discounts and fuel waiver for just โ‚น500 per year"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น1.5 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
First-time card users and moderate spenders wanting rewards on everyday purchases; movie lovers who book via BookMyShow; entry point to ICICI Bank's card ecosystem
๐ŸŽ Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, products, travel via ICICI rewards portal)
๐ŸŽ‰ Welcome Benefit
Welcome vouchers from partner brands on card activation โ€” check official ICICI website for current offer
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น100 on all eligible domestic and international retail spends (0.5% effective); 1 RP per โ‚น100 on utility and insurance; excludes fuel, EMI, cash, government, rent
โœˆ๏ธ Lounge Access
No complimentary domestic or international airport lounge access
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โœ… Pros
  • Accessible entry-level card with 0.5% effective reward rate
  • Easy annual fee waiver on โ‚น1.5L spend
  • BookMyShow Buy 1 Get 1 movies (1 per month)
  • 15% off at 2,500+ restaurants
  • Fuel surcharge waiver
  • Low โ‚น500 annual fee
โŒ Cons
  • No airport lounge access
  • High forex markup 3.5%
  • Base reward rate 0.5% is low vs cashback alternatives
  • Movie benefit requires โ‚น5,000 quarterly spend
  • Redemption value โ‚น0.25 per RP is average
  • Better alternatives at similar fee like IDFC FIRST Millennia

๐ŸŽ Rewards & Benefits

Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, products, travel via ICICI rewards portal)
Welcome Benefits
Welcome vouchers from partner brands on card activation โ€” check official ICICI website for current offer
Reward Rate
2 RPs per โ‚น100 on all eligible domestic and international retail spends (0.5% effective); 1 RP per โ‚น100 on utility and insurance; excludes fuel, EMI, cash, government, rent
Reward Redemption
ICICI rewards portal or iMobile app: merchandise, vouchers, health products, travel; 1 RP = โ‚น0.25; minimum 2,000 RPs for redemption
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000; maximum โ‚น100 per month
Lounge Access
No complimentary domestic or international airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น1.5 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น1.5 lakh spend โ€” easily achievable
Other Benefits
Buy 1 Get 1 on movie tickets via BookMyShow (up to โ‚น750 off on 2nd ticket) โ€” 1 time per month on spending โ‚น5,000 in previous quarter; 15% off at 2,500+ restaurants via ICICI Culinary Treats Programme; fuel surcharge waiver; contactless payments; Easy EMI

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero card liability on timely card loss reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
BookMyShow Buy 1 Get 1 (1 time per month on โ‚น5K quarterly spend); ICICI Culinary Treats 15% off at 2,500+ restaurants

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น1.5 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.4% per month (40.8% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per ICICI Bank prevailing slab
Over Limit Charges
As per ICICI Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Movie benefit requires โ‚น5,000 quarterly spend; verify current BookMyShow spend condition on ICICI website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; salaried or self-employed; Indian resident; good credit history; accessible eligibility for first-time applicants
Credit Score Requirement
650+ CIBIL recommended
Credit Limit
Typically โ‚น20,000 to โ‚น2 lakh based on income

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Easy EMI on transactions above โ‚น3,000
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per ICICI Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via ICICI iMobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 200 3344 (24x7 toll-free)
Chat / Email Support
Chat via ICICI iMobile app and website
Mobile App
ICICI iMobile: manage card, track RPs, EMI, bill payment
Online Banking
Full management via ICICI Bank NetBanking and iMobile

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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