ICICI Coral Credit Card
Movies
Reward Points
1st Year Fee: ₹500* Plus Applicable Taxes
Bonus Rewards
2,000 reward points on Rs. 2 lakh annual spends
Lounge Access
4 airport & 4 railway lounge visits per year
Movie Offer
Up to 25% off on BookMyShow & INOX
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About ICICI Bank Coral Credit Card
ICICI Coral Credit Card is an entry-level card targeted towards new-to-credit individuals. The card comes with a decent reward rate, airport and railway lounge access, movie offers and dining benefits. Besides, it charges a low annual fee of Rs. 500 making it a suitable choice for those who want a low-maintenance credit card to build their credit score while still accruing good savings. Moreover, RuPay card variant users also get additional benefits like 24×7 concierge services and insurance coverage. However, you may consider other credit cards if you are looking for a high reward rate or extensive benefits across specific categories.
Rewards Program
ICICI Coral credit cardholders can earn reward points on every Rs. 100 spent as follows:
- 2 reward points on all retail spends
- 1 reward point on utility and insurance spends
Milestone Bonus1:
- 2,000 reward points on reaching Rs. 2 lakh annual spends
- 1,000 reward points on every additional Rs. 1 lakh spent after reaching Rs. 2 lakh annual spends
Redemption Options:
The reward points earned through this ICICI credit card can be redeemed against products from multiple categories, including health, beauty, travel, fashion, lifestyle, home appliances, electronics, shopping vouchers, and many more.
Other Features & Benefits
Complimentary Lounge Access:
- 1 domestic airport lounge visit per quarter on spending min. Rs. 75,000 in a quarter
- 4 railway lounge visits per year
Movie Benefit:
- 25% off, up to Rs. 100 on min. booking of 2 tickets, each on INOX and BookMyShow, twice per month
Dining Offer:
- Dining discounts under the ICICI Bank Culinary Treats program
Fee Waiver:
- Annual fee waived on spending Rs. 1.5 lakh during the previous year
RuPay Card Benefits:
- 24×7 assistance through concierge services
- Personal insurance cover worth Rs. 2 lakh for users with RuPay credit card variant
Fuel Benefit:
- 1% fuel surcharge waiver on HPCL fuel spends of Rs. 400 to Rs. 4,000
ICICI Bank Coral Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 500 + Applicable Taxes | ||||||||||||||||||
| Finance Charges | 3.75% per month (or 45% per annum) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You want an entry-level credit card at a low annual fee
You are looking for a rewards credit card with decent additional lifestyle benefits
You can unlock and maximise the milestone bonus rewards by spending Rs. 2 lakh or more in a year
Eligibility Criteria:
Age: 21 to 65 years
Min. Income (Salaried): Rs. 20,000 per month
Min. Income (Self-employed): Rs. 2.4 lakh per annum
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What do we like about this card?
ICICI Coral contactless credit card, despite being a low annual fee card, offers benefits across different spending categories like movies, shopping, travel and dining. It not only offers rewards on retail spends but also on categories like utility and insurance payments which are usually excluded from rewards programs. Dining and movie discounts through popular platforms help the cardholders earn significant savings on their spends. The spend-based benefits like fee waiver reversal and bonus rewards can be unlocked even by a below-average spender and can be maximised based on individual spending capacity.
Pros
- Low annual fee card with easily achievable fee waiver condition
- Up to 10,000 reward points as milestone bonus every year
- Savings worth up to Rs. 4,800 on movie tickets
- Up to 4 free visits each to domestic airport and railway lounges every year
- Dining discount offers through leading platforms like Zomato, Eazydiner and Swiggy
Cons
- Low rewards earning rate with low redemption value
- Spend-based condition on airport lounge access benefit
Frequently Asked Questions
Everything you need to know about this credit card
Yes, you can get 2 movie tickets per month across BookMyShow and INOX with this ICICI credit card.
ICICI Bank charges 2.50% on the withdrawn amount, subject to a minimum of Rs. 500 as credit card cash withdrawal fee. Moreover, until repaid, an interest rate of 3.75% per month is also applicable on the cash amount.
Yes, it\'s absolutely safe to make offline transactions through ICICI Bank Coral Credit Card as it contains an embedded chip which provides additional security for transactions at stores or ATMs.
No, ICICI Coral only offers complimentary access to domestic airport and railway lounges.
Footnotes
- Milestone bonus reward points are capped at 10,000 reward points in year
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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