ICICI Coral Credit Card Against FD

This is a secured credit card backed by a Rs. 50,000 fixed deposit. It’s ideal for beginners, offering lifetime free usage, reward points on retail and utility spending, and basic limited travel and entertainment benefits. It helps users build credit history while providing basic perks for daily and travel expenses.

The card offers 2 ICICI reward points per Rs. 100 spent on retail and 1 point per Rs. 100 on utilities and insurance. It includes four domestic airport lounge visits annually and 25% off up to Rs. 100 on two movie tickets via INOX or BookMyShow twice a month, enhancing travel and entertainment experiences.

Joining fee is Rs. 500 plus taxes; annual fee is waived. Finance charges are 3.40% monthly (40.80% annually). Late payment fees range from Rs. 100 to Rs. 1,200 based on outstanding balance. The card offers a credit limit of 90% of the FD, making it easier for controlled spending.

Limitations include no international lounge access and low reward points on all spends. Fuel purchases do not earn rewards. The card offers basic perks compared to unsecured options. Consumers seeking higher rewards, premium travel, or extensive entertainment benefits might prefer the ICICI Coral unsecured credit card for better advantages.

Yes, the card offers a 25% discount, up to Rs. 100, on two movie tickets via INOX or BookMyShow twice monthly. This benefit appeals to frequent movie-goers, adding value to everyday spending. Combined with reward points on retail and utility bills, it provides a practical mix of savings and entertainment perks for consumer.