ICICI Bank Credit Card Against FD

ICICI Bank Credit Card against FD is a secured credit card offered against a fixed deposit, making it easier for...

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Features & Benefits of ICICI Coral Credit Card Against FD

At present, ICICI Bank offers ICICI Coral Credit Card against FD. Given below are some of the major details of this credit card:

ICICI Coral Credit Card Against FD

ICICI Coral Credit Card is backed by a FD amount of Rs. 50,000. It is a suitable option for the consumers who are looking for a card with basic reward program. The card offers 2 ICICI reward points on every Rs. 100 spent and 1 ICICI reward point on every Rs. 100 spent on utilities and insurance. Cardholders can avail 4 complimentary domestic airport lounge visits per year. Beside this, the card also offers 25% off on movies and the annual fee will be waived on min. spend of Rs. 1.5 Lakh yearly. Overall, this ICICI Bank Credit Card is a decent option for the cardholders who want to avail reward and lifestyle benefits.

Joining Fee: Rs. 500 + Taxes
Annual Fee: Nil
Min. FD Amount: Rs. 50,000

Features & Benefits of ICICI Coral Credit Card Against FD

2 ICICI reward points on every Rs. 100 spent
1 ICICI reward point per Rs. 100 spent on utilities & insurance
4 complimentary domestic airport lounge visits every year on min. spend of Rs. 5,000 in the previous quarter
25% off, up to Rs. 100, on buying two movie tickets through INOX or BookMyShow, twice per month
Annual fee waived on a min. spend of Rs. 1.5 Lakh yearly
90% credit limit of the FD amount

ICICI Coral Credit Card Against FD: Eligibility Criteria

Below mention are the basic eligibility criteria to apply for ICICI Coral Credit Card Against FD:

Resident: Indian
Min. Age Requirement: 18 years
Min. FD Amount: Rs. 50,000

SBI Credit Card Against FD: Fees & Charges

Charges and fees can vary across credit cards. For the ICICI Coral Credit Card Against FD fees and charges are listed below:

Type of Fee/Charge	Amount
Joining Fee	Rs. 500 + Taxes
Annual Fee	Nil
Finance Charges	3.40% per month (40.80% per annum)
Late Payment Fee	Less than Rs. 100 – Nil Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 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. 1,000 More than Rs. 50,000 – Rs. 1,200

Why Should You Get an ICICI Credit Card against FD?

ICICI Credit Card against fixed deposit is a suitable option for individuals who are new-to-credit or not eligible for unsecured cards. It is backed by an FD of at least Rs. 50,000 and offers up to 90% of the deposit as the credit limit. Cardholders can earn basic reward points, access limited travel and movie benefits, and gradually build their credit score with responsible usage.

ICICI Bank Credit Card against FD is suitable if:

You are not eligible for unsecured card and want to build your credit score
You are new to credit card and are seeking for a card low joining fee credit card
You travel frequently and want to avail a card that offer domestic airport lounge visits
You prefer booking movie tickets via BookMyShow or INOX and want to avail discount

How to Apply for an ICICI Credit Card against FD?

Below mentioned are some of the common steps to apply for a ICICI Bank credit card against FD:

Step 1: Open the ICICI iMobile Pay app or go to their internet banking website.

Step 2: Start a Fixed Deposit if you don't already have one with ICICI.

Step 3: Decide how much money to put into the FD. Keep in mind that your credit limit will usually be up to 90% of this amount.

Step 4: Choose the FD-backed credit card you want (like the ICICI Coral Credit Card).

Step 5: Submit your quick application on the app, website, or at an ICICI branch.

Step 6: Once ICICI checks your details, they will issue and send your new credit card.

How to 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 purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

How to 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 purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

FAQs

ICICI Bank Credit Card against FD is a secured credit card issued against a fixed deposit, allowing users to access credit without income proof while helping them build or improve their credit score gradually.

To apply for an ICICI Coral Credit Card against FD, you need to open a fixed deposit of at least Rs. 50,000, which acts as collateral for the issued credit limit.

The credit limit on ICICI Bank credit card against FD is usually up to 90% of the fixed deposit amount, ensuring controlled credit usage while minimizing risk for the bank.

The card offers reward points on spending, complimentary airport lounge visits, movie ticket discounts, and annual fee waiver on meeting spending milestones, making it suitable for beginners seeking basic lifestyle benefits.

Any Indian resident aged 18 years or above with a minimum fixed deposit of Rs. 50,000 with ICICI Bank can apply for this secured credit card.