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ICICI Bank Coral Credit Card Against Fixed Deposit

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Updated: 13-11-2024 06:10:19 AM

ICICI Bank Coral Credit Card against Fixed Deposit is a secured credit card issued against a fixed deposit amount. The card is best suited for all those people who are new to credit, do not have a source of income or require a credit limit that is well above what they are currently being provided. The card charges Rs. 500 only as annual fee and in return provides free airport lounge access, movie tickets and more. The details of the card are given below.

Suggested Read: Best Secured Credit Cards in India

Key Highlights of ICICI Bank Coral Credit Card against Fixed Deposit
  • Annual Fee: Rs. 500
  • Annual fee waived upon spending Rs. 1.25 lakh in the previous year
  • 1 free airport lounge access per quarter upon spending Rs. 5,000
  • 25% off, up to Rs.100, on purchase of min. 2 movie tickets via BMS & INOX. Offer valid twice a month
  • Min. 15% off via ICICI Bank Culinary Treats Programme
  • 1 PAYBACK point per Rs.100 spent on utilities and insurance
  • 2x PAYBACK points on all spends except fuel
  • 4x PAYBACK points on dining, groceries and at supermarkets

Similar | Fees | Eligibility | How to Apply | FAQs

Read more about ICICI Bank Coral Credit Cards

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the  ICICI Bank website.

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ICICI Bank Coral Credit Card against Fixed Deposit – Features & Benefits
ICICI Bank Coral Credit Card against Fixed Deposit – Fees & Charges
ICICI Bank Coral Credit Card against Fixed Deposit – Eligibility Criteria
How to Apply for ICICI Bank Coral Credit Card against Fixed Deposit
Cards Similar to ICICI Bank Coral Credit Card against Fixed Deposit
ICICI Bank Coral Credit Card against Fixed Deposit – FAQs

ICICI Bank Coral Credit Card against Fixed Deposit – Features & Benefits

Lounge Access – Spend at least Rs. 5,000 or more in a quarter to get 1 free access to Indian airport lounges in the next quarter.

Movie Offer – Purchase a minimum of 2 movie tickets via BookMyShow or INOX to get 25% off, up to Rs. 100. Offer can be availed twice a month, subject to availability.

Dining Offer – Discounts on dining bill via the Culinary Treats Program.

Fuel Surcharge Waiver – Fuel surcharge waiver on transactions less than Rs. 4,000 at HPCL pumps. Note that the credit card must be swiped on an ICICI Merchant Services swipe machine in order to avail the offer.

Rewards Program – 1 PAYBACK point per Rs.100 spent on utilities and insurance. 2x PAYBACK points on all spend (excluding fuel). 4x points on dining, groceries and supermarket spends.

Looking for Higher FD rates? Book an FD @7% p.a. and get a lifetime free credit card

  • FDs of up to ₹5 lakhs insured by RBI

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ICICI Bank Coral Credit Card against Fixed Deposit – Fees & Charges

Category Amount
Joining Fee Rs. 500
Annual Fee Rs. 500
Finance Charges 3.4% per month/ 40.8% annually
Foreign Currency Mark-up Fee 3.5%
Cash Advance Interest Rate 3.4% per month/ 40.8% annually
Cash Advance Transaction Fee 2.50% on the advanced amount / Min. Rs. 300
Redemption Handling Fee Rs. 99
Dial-a-Draft Transaction Fee 3% of the draft value or Rs. 300
Over Limit Charges 2.50% on over limit amount/Min. Rs. 500
Card Replacement Fee Rs. 100
Late Payment Charges Nil for amount less than Rs. 100
Rs. 100 for amount between Rs.100 and Rs. 500
Rs. 500 for amount between Rs. 501 and Rs. 10,000
Rs. 750 for amount more than Rs. 10,000

Suggested Read: Common Fees and Charges All Cardholders Must be Aware of

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ICICI Bank Coral Credit Card against Fixed Deposit – Eligibility Criteria

The basic eligibility criteria that you must meet in order to avail ICICI Bank Coral Credit Card against Fixed Deposit are given below:

Criteria Details
Occupation Offered to both Salaried and Self-employed Applicants
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of acceptable documents

How to Apply for ICICI Bank Coral Credit Card against Fixed Deposit

You may apply for ICICI Bank Coral Credit Card against Fixed Deposit by first opening a fixed deposit account with the bank and then applying for the card. If you already have a fixed deposit account then you may contact the bank to issue you the credit card against it.

Cards Similar to ICICI Bank Coral Credit Card against Fixed Deposit

Credit Card  Annual Fee Reward Points
Axis Bank Insta Easy Credit Card Nil Up to 12 Reward Points per Rs. 200
ICICI Instant Platinum Credit Card Nil 2 PAYBACK point per Rs. 100 spent
SBI Unnati Credit Card Rs.500 (5th Year Onwards) 1 Reward point per Rs. 100 spent
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ICICI Bank Coral Credit Card against Fixed Deposit – FAQs

Will I continue to earn an interest rate on the fixed deposit amount I used to apply for this credit card?
Yes, you will continue to earn an interest rate on the fixed deposit account that you used to avail this credit card.

What is the minimum fixed deposit amount and tenure required to apply for ICICI Bank Coral Credit Card?
The minimum fixed deposit amount is Rs. 30,000 and the minimum tenure is 180 days.

How can I track my ICICI Bank Coral Credit Card against Fixed Deposit application?
You can easily track your ICICI Bank Coral Credit Card against Fixed Deposit application by visiting ICICI Bank website. For this, you will be required to provide a mobile number, application number and date of Birth. Detailed steps can be found here.

When does foreign transaction mark-up fee come into play?
The foreign transaction mark-up fee comes in to play whenever a transaction is done in a foreign currency. This includes ATM withdrawals, online as well as retail shopping. Also, domestic transactions like those done at Duty-Free shops may incur this charge.

Can anyone apply for ICICI Bank Coral Credit Card against Fixed Deposit?
Indian nationals over the age of 18 can open a fixed deposit account in order to avail this card. However, the credit card cannot be issued in the following cases.

  • If the FD is in the name of third parties, partnership firms, Hindu Undivided Family (HUF), Society, Trust, Companies
  • It cannot be issued against Linked, Quantum, Section 80C, Non-Resident External (NRE), Non-Resident Ordinary (NRO), ICICI Home Finance Company (HFC) FDs or if a lien is already marked on the FD
  • The card will not be issued to minors and foreign nationals
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