ICICI Bank Coral Credit Card

Key Features & Benefits

The ICICI Bank Coral Credit Card transforms everyday spending into rewarding experiences with its generous reward structure and lifestyle perks. You earn 2 Reward Points on every ₹100 spent on retail purchases and 1 Reward Point per ₹100 on utilities and insurance payments. The card’s Milestone Rewards program sweetens the deal further—spend ₹2,00,000 in your anniversary year and receive 2,000 bonus points, followed by 1,000 points for every additional ₹1,00,000 spent, capping at 10,000 bonus points annually.

Beyond rewards, cardholders enjoy quarterly domestic airport lounge access and 4 complimentary railway lounge visits per year, making travel more comfortable. Entertainment lovers benefit from twice-monthly movie ticket discounts on BookMyShow and INOX. The card also offers 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL pumps when you pay at least the minimum due amount.

For online shoppers, the iShop portal delivers accelerated earnings with 6x to 12x reward points on select purchases. With a reasonable annual fee of just ₹500 plus GST (waived on spending ₹1.5 lakh), the ICICI Coral Credit Card provides exceptional value for individuals seeking a balanced mix of rewards, travel comfort, and entertainment benefits.

All You Need to Know About: ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is a mid-tier lifestyle credit card designed for individuals seeking a balanced mix of rewards, travel benefits, and entertainment perks without paying premium card fees. Issued by ICICI Bank Limited on Visa or Mastercard networks, this card caters to young professionals, middle-income earners, and first-time premium cardholders with accessible eligibility criteria requiring just ₹20,000 monthly income for salaried individuals or ₹2,40,000 annual income for self-employed applicants.

The card’s reward program is straightforward and rewarding—earn 2 Reward Points on every ₹100 spent on retail purchases including dining, shopping, groceries, and online orders, effectively delivering a 2% return on spending. For utility bills and insurance premium payments, you earn 1 Reward Point per ₹100 spent. The Milestone Rewards program adds significant value by offering 2,000 bonus points when you spend ₹2,00,000 in your anniversary year, followed by 1,000 bonus points for every additional ₹1,00,000 spent thereafter, with a maximum cap of 10,000 milestone bonus points per year. For online shoppers, the iShop portal accelerates earnings with 6x to 12x reward points on select purchases from partner merchants.

Travel comfort is a key highlight with quarterly domestic airport lounge access (1 visit per quarter, totaling 4 visits annually) and 4 complimentary railway lounge accesses per year, requiring no minimum spending to unlock these benefits. Entertainment enthusiasts benefit from twice-monthly movie ticket discounts available on BookMyShow and INOX platforms. The card also provides practical savings with a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL petrol pumps, applicable when minimum dues are paid on time.

The fee structure remains affordable with a joining fee of ₹500 plus GST and an annual renewal fee of ₹500 plus GST, both of which are waived entirely if you spend ₹1,50,000 or more during your card membership year—a threshold easily achievable for regular users. The interest rate stands at 3.75% per month (45% per annum) on revolving credit balances, making timely full payments essential to avoid finance charges. International transactions carry a foreign exchange markup of 3.5%, which is standard for mid-tier cards. Reward Points earned can be redeemed flexibly across movie vouchers, travel bookings, lifestyle products, mobile phones, appliances, and more through ICICI Bank’s redemption portal, ensuring your earnings translate into tangible benefits that match your preferences. With its comprehensive feature set, reasonable fees, and accessible eligibility, the ICICI Bank Coral Credit Card positions itself as an excellent choice for individuals seeking their first lifestyle-focused credit card or upgrading from basic variants.

Pros & Cons

How to Apply

Applying for the ICICI Bank Coral Credit Card is straightforward and can be completed online in minutes. Visit the official ICICI Bank website and navigate to the credit cards section, then select the Coral Credit Card option. Fill out the online application form with your personal details, income information, and employment status—you’ll need a minimum monthly income of ₹20,000 for salaried individuals or annual income of ₹2,40,000 for self-employed applicants. Upload required documents such as PAN card, address proof, and income proof (salary slips or ITR). Once submitted, ICICI Bank will review your application and perform a credit check. Upon approval, your card will be delivered to your registered address within 7-10 working days, ready to unlock rewards and lifestyle benefits.

Detailed Fee Structure

The ICICI Bank Coral Credit Card charges a joining fee of ₹500 plus applicable GST, with an identical annual renewal fee of ₹500 plus GST. However, the annual fee is completely waived if you spend ₹1,50,000 or more during your card membership year, making it essentially free for regular users. The card levies an interest rate of 3.75% per month (45% per annum) on revolving credit balances, so paying your bills in full is advisable to avoid finance charges.

For international transactions, a foreign exchange markup of 3.5% applies on all purchases made in foreign currency. Late payment fees range based on the outstanding amount, and overlimit charges may apply if you exceed your credit limit. Cash advance fees and GST apply on ATM withdrawals. The fuel surcharge waiver of 1% is available on transactions between ₹400 and ₹4,000 at HPCL petrol pumps, but only if you’ve paid at least the minimum due on your previous bill. There are no charges for reward point redemption, lounge access (within the quarterly limit), or adding-on family members as supplementary cardholders.

Who Should Get This Card?

The ICICI Bank Coral Credit Card is ideal for young professionals, middle-income earners, and first-time premium cardholders seeking value-driven lifestyle benefits without hefty fees. If you’re someone who spends between ₹10,000 to ₹20,000 monthly on everyday retail purchases like groceries, dining, shopping, and online orders, this card’s 2% reward rate will consistently add value. Frequent domestic travelers will appreciate the quarterly airport lounge access and annual railway lounge visits, while movie enthusiasts can save significantly with twice-monthly ticket discounts. The card also suits individuals who regularly fuel vehicles at HPCL pumps and want to save on surcharges. With its low ₹1.5 lakh annual spending threshold for fee waiver and accessible income requirement of ₹20,000 per month, the Coral Credit Card strikes a perfect balance for individuals upgrading from basic cards or seeking their first rewards-focused lifestyle card.

Alternatives & Competitor Comparison

Feature	ICICI Bank Coral Credit Card	HDFC MoneyBack+ Credit Card
Card Image
Card Network	Mastercard, Visa	Mastercard, RuPay, Visa
USP	The ICICI Bank Coral Credit Card delivers 2% rewards on retail spends, quarterly domestic lounge access, movie ticket discounts, and fuel surcharge waivers, making it perfect for everyday shoppers seeking lifestyle benefits at an affordable annual fee.	The HDFC MoneyBack+ Credit Card delivers 3.3% cashback on popular platforms like Amazon, Flipkart, Swiggy, and BigBasket, making it perfect for online shoppers and digital spenders. With quarterly vouchers, RuPay UPI rewards, and an affordable ₹500 annual fee waived on ₹50,000 spend, it's an excellent entry-level card for maximizing everyday e-commerce rewards.
Annual Fee	500 Plus GST	500 Plus GST
Joining Fee	500 Plus GST	500 Plus GST
Welcome Benefits	2,000 reward points on spending ₹2,00,000 in the first year under milestone rewards	500 Cashpoints on membership fee payment (worth ₹125 as cashback)
Lounge Access	Domestic: 1 per quarter	N/A
Reward Rate	Earn 2 reward points per ₹100 on retail spend (2% return) and 1 reward Point per ₹100 on utilities and insurance (1% return). Get 6x to 12x points on iShop portal. milestone bonus: 2,000 points at ₹2L spend, then 1,000 points per ₹1L thereafter (max 10,000 points/year)	Earn 10X Cashpoints (3.3% value) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket—20 points per ₹150 spent, capped at 2,500 points/month. Other spends earn 2 points per ₹150 (0.33% value). RuPay UPI spends earn 2 points per ₹150, capped at 500 points/month.
Interest Rate	3.75% per month (45% per annum)	3.6% per month (43% per annum)
Best For	Lounge Access, Movies	Online Shopping
Apply Now	Apply Now	Apply Now

Frequently Asked Questions