ICICI Coral Contactless Credit Card is an entry-level card targeted towards new-to-credit individuals. The card comes with a decent reward rate, lounge access, and movie benefits. Besides, it charges a low annual fee of Rs. 500, thus, a suitable choice for those who want a low-maintenance credit card to build their credit score. However, if you are looking for a high reward rate or extensive benefits across specific categories, you can consider other credit cards.
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Key Highlights of ICICI Bank Coral Credit Card |
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| Best Suited For | Rewards |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 |
| Minimum Income Required | Communicated at the time of sourcing |
| Best Feature | 10,000 reward points every anniversary year; 2 reward points for every Rs. 100 spent (except fuel) |
| Paisabazaar Rating | ★★★(3/5) |
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Below listed are some of the ICICI Coral Credit Card benefits:
Reward Points: The card offers reward points on every eligible transaction. You can earn 2 reward points per Rs. 100 spent and 1 reward point per Rs. 100 spent on insurance & utility spends, including government transactions.
Note: From 5 Feb 2024, rent pay and e-wallet loading transactions will not accrue any reward points.
Movie Tickets: With this card, you can avail 25% discount on BookMyShow and Inox up to Rs.100 on the purchase of minimum 2 movie tickets per transaction. The offer can be availed twice a month.
Fuel Surcharge Waiver: You can avail 1% fuel surcharge waiver on this card, valid only on Hindustan Petroleum Corporation Limited Pumps.
Lounge Access: Coming to travel benefits, ICICI coral credit card lounge access is limited to domestic airport lounges in India subject to one complimentary access each quarter. This however is subject to spending a minimum of Rs. 35,000 or above in a calendar quarter to avail the benefit in the next calendar quarter.
Milestone Reward Program: On spending Rs. 2 Lakh with the card, you get 2,000 reward points and additional 1,000 reward points on spending Rs. 1 Lakh.
Annual Fee Waiver: If you spend over Rs. 1.5 Lakh with your Coral credit card then the annual fee of Rs. 500 will be waived off.
Dining Discounts: ICICI Coral Credit card offers exclusive dining offers through ICICI Bank Culinary Treats Programme.
Chip and Pin Security: The credit card comes with an embedded microchip and PIN (Personal Identification Number). This ensures the credit card’s data cannot be duplicated or used for fraudulent purposes.
Also Read: Top Entry-level Credit Cards in India 2024
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Below mentioned are the ICICI Bank Coral Credit Card charges:
| Type of Fee/ Charge |
Amount |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 |
| Finance Charges | 3.40% p.m. (40.80% p.a.) |
| Late Payment Charges | For Statement Balance:
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The applicant must fulfill the below-mentioned eligibility criteria to apply for this card:
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum Income Required |
Communicated at the time of sourcing |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here to see the list of acceptable documents |
ICICI Coral Credit Card is a good option for you if you are new to credit cards and looking for a card with a low annual fee of Rs. 500. Though the card offers benefits across rewards, airport lounges, and movies, the benefits are scattered yet very limited. The card offers a very basic reward structure with 2 reward points per Rs. 100 spent. The movie benefit is limited to INOX and BookMyShow, which can be availed only twice a month subject to the availability of tickets. Even the fuel surcharge waiver of 1% is limited only to HPCL Pumps. The card offers an annual fee waiver on spending Rs. 1.5 lakh, which however is a big sum to spend as per the limited benefits offered on the card.
On a concluding note, ICICI Bank Coral Credit Card is a low-fee card that offers limited benefits. If you are looking for a high reward card, this card might not be a good option for you. However, if you are a beginner looking for a low-maintenance card to build your credit history, you can consider opting for ICICI Coral Credit Card.
Click here to compare and apply for the best card as per your needs.
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Q. Is it safe to make offline transactions through ICICI Bank Coral Credit Card?
Yes, its absolutely safe to make offline transactions through ICICI Bank Coral Credit Card as it contains embedded Chip which provides additional security for transactions at stores or ATMs .
Q.Is there any movie offer on ICICI Coral Credit Card?
Yes, you can get 2 movie tickets per month across BookMyShow and INOX with this credit card.
Q. What are ICICI Coral Credit Card cash withdrawal charges?
ICICI Bank charges 2.50% on the advanced amount/Min. Rs. 300 (whichever is higher) as credit card cash withdrawal charges.
Q.How can I redeem ICICI Coral Credit Card Reward Points?
You can redeem your ICICI Coral Credit Card points by either logging into your internet banking account or by calling the 24×7 customer care number. Once you log in to the ICICI Bank Internet Banking website, go to the “Reward Points” section and click on the “Redeem Online” option to proceed. Read more about ICICI Credit Card Reward Points here.
Q. I have lost my ICICI Bank Coral Credit Card. What should I do?
In case, your ICICI Bank Coral Credit Card is lost or stolen, you must immediately call on the ICICI Bank Credit Card Customer Number to inform them about the same and to get your card blocked.
