ICICI Coral Credit Card
ICICI Bank
last updated: Dec 31, 2025
₹500
₹500
3.5%
1 visits/yr
Contents
The ICICI Coral Credit Card is one of India’s most popular entry-level lifestyle credit cards, designed for users who want reward points on daily spending, discounts on movies and dining, and complimentary airport and railway lounge access without paying a high annual fee.
Rewards Structure of ICICI Coral Credit Card
Entertainment
baseBookMyShow / Inox ticket bookings.
Convenience fee is usually not waived.
Movie Ticket Offer – Buy 1 Get 1: Buy 1 Get 1 movie ticket offer on BookMyShow with ICICI Coral Credit Card. Get up to ₹250 off per ticket on a minimum booking of two tickets, valid up to twice per month. Convenience fees apply. Terms and conditions apply.
Retail Spend
baseAll retail spends except: Fuel, Cash Withdrawals
ICICI rarely applies a cap on base retail RP; caps usually apply only to movies/dining/fuel
Base Retail Rewards: Reward points are credited for eligible retail merchant transactions as per ICICI reward programme rules. 1 Reward Point = ₹0.25 approx when redeemed against vouchers/travel via ICICI Rewards portal.
Utilities & Insurance
baseAll payments made towards: Utility Bills and Insurance Payment
Utility billers sometimes code differently; RP may vary if merchant category differs.
Base Utilities Rewards: Lower reward rate applies to utility and insurance transactions.
Online Spends
acceleratedE-commerce payments at Amazon, Flipkart, Myntra, food delivery, travel booking, OTT platforms.
Some online merchants may code as utilities/travel, affecting RP.
Online Spend Rewards: Online spends earn base reward points only. No accelerated or bonus rewards apply. Reward rate depends on merchant category coding.
Milestones of ICICI Coral Credit Card
Annual Spend Milestone
₹2,00,000 annual spends : 2,000 bonus Reward Points
Annual Spend Reward Eligibility: Only retail/effective rewardable categories count.
Additional Annual Spend Bonus
Every additional ₹1,00,000 spend after crossing ₹2L : 1,000 bonus Reward Points
Additional Spend Bonus Conditions: Bonus credited at end of anniversary year.
Fees & Charges of ICICI Coral Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50% |
Renewal Conditions:Spend ₹1.5L–₹2L in a year.
Fee Explanation Typical for cards in Coral segment.
Lounge Access Benefits with ICICI Coral Credit Card
domestic Lounges
silverVisits per year: 1
Guest access: No
Only valid if quarterly spends exceed the required minimum (varies by issuer).
Lounge Access Conditions: Complimentary domestic lounge access is available once per year and is subject to meeting the minimum quarterly spend criteria set by the issuer. Guest access may be chargeable.
Insurance Coverage with ICICI Coral Credit Card
Personal Accident Cover
₹50,00,000Valid only when the credit card was used at least once in the last 60 days.
Complimentary Accident Protection: This is a built-in personal accident cover provided at no extra cost. Coverage applies only if the card is active and has been used prior to the incident. Exact coverage amount and claim process may vary based on the card network (Visa/Mastercard).
Additional Features of ICICI Coral Credit Card
Zero Liability Protection
Protects you from fraudulent transactions after you report card loss.
Loss must be reported immediately to ICICI.
Fraud Protection After Reporting: Industry-standard safety feature for Indian credit cards.
Fuel Surcharge Waiver
1% fuel surcharge waiver at HPCL pumps (via ICICI POS machines).
Valid for transactions ₹400–₹4000.
Small Savings on Fuel Spends: Only surcharge is waived, GST not included
ICICI Culinary Treats
Discounts up to 15–25% at partner restaurants.
Valid only at listed restaurants.
Dining Offer, Not Reward Points: This is a merchant-led dining offer and not a reward points category. Discounts vary by restaurant, location, and day, and may require prior reservation or minimum bill value.
Welcome Bonus with ICICI Coral Credit Card
Welcome Bonus: No standard welcome bonus
Bonus Conditions: 2,000 reward points on spending ₹2 lakh in a calendar year; additional 1,000 points for every extra ₹1 lakh spent
Application Process for ICICI Coral Credit Card
Processing Time
5–7 working days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
"Physical card delivered within 5–7 working days
Submit Application: Fill the credit card application form online through ICICI Bank’s website or mobile app, or apply by visiting a nearby ICICI Bank branch.
Fill the online/branch application form
KYC & Verification: Complete KYC using Aadhaar, PAN, and income details. Existing ICICI customers may receive instant approval based on eligibility.
Upload or submit KYC documents (PAN + Aadhaar
Approval & Card Dispatch: Once approved, the virtual card may be issued instantly. The physical credit card is delivered to your registered address within 5–7 working days.
Required Documents for ICICI Coral Credit Card
Income Proof
Salaried, Self-employedAccepted documents:
Income Assessment: Income documents help determine credit limit and eligibility. Pre-approved ICICI customers may not be asked for income proof.
PAN Card
Salaried, Self-employedAccepted documents:
Mandatory for All Applicants: PAN is compulsory for credit card issuance as per RBI guidelines. Applications without a valid PAN are not processed.
Address & Identity Proof
Salaried, Self-employedAccepted documents:
Identity Verification: Any one of the listed documents can be used for identity and address verification. Details must match the application.
ICICI Coral Credit Card Merchant Acceptance Network
Domestic Acceptance
Accepted at most retail outlets, restaurants, fuel stations, and service providers across India where Visa, Mastercard, or RuPay cards are supported.
International Acceptance
Accepted internationally at merchants that support the card network (Visa/Mastercard). International usage must be enabled manually via ICICI Bank before use.
Online Acceptance
Works on most Indian and international e-commerce websites, apps, and subscription platforms that accept credit card payments.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Coral Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹300,000
Minimum annual income
Who Can Apply
Important Conditions
- Stable income, clean credit history, valid KYC, ICICI internal approval required.
How Approval Is Decided
- Good credit score (typically 700–750
Pros of ICICI Coral Credit Card
- Provides access to ICICI Culinary Treats and movie ticket discounts, which are useful for casual dining and entertainment spends.Decent Dining & Lifestyle Offers: Provides access to ICICI Culinary Treats and movie ticket discounts, which are useful for casual dining and entertainment spends.
- Includes zero liability protection and complimentary personal accident cover, adding basic security benefits without extra cost. Strong Safety & Insurance Features: Includes zero liability protection and complimentary personal accident cover, adding basic security benefits without extra cost.
- ICICI customers may get instant approval with minimal documentation, making the application process smooth and quick.Easy Approval for Existing ICICI Customers: ICICI customers may get instant approval with minimal documentation, making the application process smooth and quick.
- Often offered as a lifetime-free card to ICICI salary account holders or pre-approved customers, making it a low-risk entry-level credit card.Lifetime Free for Many Users: Often offered as a lifetime-free card to ICICI salary account holders or pre-approved customers, making it a low-risk entry-level credit card.
Cons of ICICI Coral Credit Card
- Does not offer airport lounge access, milestone bonuses, or travel-focused perks expected from higher-tier cards.No Premium Travel Benefits: Does not offer airport lounge access, milestone bonuses, or travel-focused perks expected from higher-tier cards.
- Dining and lifestyle discounts depend on partner availability and may change over time.Offers Are Merchant-Dependent: Dining and lifestyle discounts depend on partner availability and may change over time.
- Reward points earning is modest compared to premium cards, making it unsuitable for users focused on maximising rewards.Low Reward Rate: Reward points earning is modest compared to premium cards, making it unsuitable for users focused on maximising rewards.
- Fuel surcharge waiver is capped and GST is not waived, so savings on fuel spends remain minimal.Limited Fuel Benefits: Fuel surcharge waiver is capped and GST is not waived, so savings on fuel spends remain minimal.
Frequently Asked Questions about ICICI Coral Credit Card
What is the joining fee for the ICICI Coral Credit Card?
The joining fee is usually ₹500 + GST, depending on the card variant and promotional offers.
Many applicants receive the ICICI Coral Credit Card without any joining or annual fee based on eligibility. Always check the final fee details shown during application before proceeding.Does the ICICI Coral Card offer airport lounge access?
Yes. You get 1 domestic airport lounge visit per quarter and monthly railway lounge access depending on the card network.
Lounge access availability depends on the card network (Visa/Mastercard/RuPay) and minimum spend criteria set by ICICI Bank. Benefits may change over time and are not available on all Coral variants.Does the ICICI Coral Card offer cashback?
No. The card offers reward points, not cashback. These points can be redeemed for vouchers, products, and travel through the ICICI Rewards Store.
This card is better suited for users comfortable with reward points redemption. If you prefer instant or statement cashback, a cashback-focused credit card would be a better choice.What is the reward rate on the ICICI Coral Credit Card?
You earn 2 Reward Points per ₹100 on retail spends and 1 Reward Point per ₹100 on utilities and insurance payments.
The ICICI Coral Credit Card follows a simple, entry-level rewards programme. While it offers steady reward points on everyday spends, the overall reward rate is lower compared to premium or cashback-focused credit cards.Is the ICICI Coral Credit Card good for beginners?
Yes. It has a low annual fee, easy approval, and strong everyday benefits like reward points, movies, and lounge access, making it ideal for first-time users.
This card is ideal for first-time users learning how credit cards work. It should be avoided if you specifically want travel perks such as airport lounge access or premium travel rewards.Add Your Review
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