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    ICICI Bank

    ICICI Coral Credit Card

    cat name Movies
    cat name Reward Points
    3.0/5.0

    Movies3.5/5

    Rewards2.5/5

    Lounge Access3.0/5

    Milestone Benefits3.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹500* Plus Applicable Taxes

    Bonus Rewards

    Bonus Rewards

    2,000 reward points on Rs. 2 lakh annual spends

    Lounge Access

    Lounge Access

    4 airport & 4 railway lounge visits per year

    Movie Offer

    Movie Offer

    Up to 25% off on BookMyShow & INOX

    Updated on April 21, 2025 2:48 pm

    Author: Lepakshi Phogat

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    About The CardReward DetailsBenefits & PrivilegesSavings CalculatorFees & ChargesThings to KnowCard Review

    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.

    Image of null
    Image of null

    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

    Savings Calculator

    ₹

    This is mandatory field

    If you spend upto ₹0/yr

    Spend Rewards₹0

    Milestone Benefits₹0

    You save₹0

    ₹500 Plus Applicable Taxes

    NA

    ₹500 Plus Applicable Taxes

    Waived off on spending Rs. 1.5 Lakh in a year

    Need Help understanding?

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    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
    On outstanding balance of –
    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 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

    Paisabazaar Review

    Overall Rating

    3.0/5

    Movies3.5/5

    Rewards2.5/5

    Lounge Access3.0/5

    Milestone Benefits3.0/5

    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

    Footnotes

    1. Milestone bonus reward points are capped at 10,000 reward points in year

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    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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