About ICICI Coral Credit Card
The ICICI Coral Credit Card is a good choice for beginners who are new to credit cards. It comes with benefits like reward points, free airport and railway lounge visits, movie discounts, and dining offers. The card has a low annual fee of Rs. 500, making it easy to maintain while also helping you build your credit score. If you choose the RuPay variant, you also get extra benefits like 24×7 concierge service and insurance cover. However, if you want higher rewards or more premium benefits, you may need to look at other cards.
ICICI Coral Credit Card Rewards Program
Rewards Program
ICICI Coral Credit Card users earn reward points on every Rs. 100 spent:
- 2 reward points on all retail purchases
- 1 reward point on utility and insurance bills
Milestone Bonus
- Earn 2,000 reward points on spending Rs. 2 lakh in a year
- Earn 1,000 reward points for every additional Rs. 1 lakh spent after reaching Rs. 2 lakh
Redemption Options
You can redeem your ICICI Coral reward points across various categories like health, beauty, travel, fashion, lifestyle, home appliances, electronics, shopping vouchers, and more.
Other Features and Benefits
Complimentary Lounge Access
- 1 domestic airport lounge visit per quarter on spending a minimum of Rs. 75,000 in a quarter
- 4 railway lounge visits per year
Fuel Benefit
- 1% fuel surcharge waiver on HPCL fuel spends between Rs. 400 and Rs. 4,000
Movie Benefit
- 25% off (up to Rs. 100) on a minimum booking of 2 tickets on INOX and BookMyShow, twice per month
Dining Offer
- Discounts at partner restaurants under the ICICI Bank Culinary Treats program
Fee Waiver
- Annual fee waived on spending Rs. 1.5 lakh in the previous year
RuPay Card Benefits
- 24×7 concierge assistance
- Personal insurance cover worth Rs. 2 lakh
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 500 + Applicable Taxes |
| Finance Charges | 3.75% per month (or 45% per annum) |
| Late Payment Charges | | On outstanding balance of – | Amount | | Less than Rs. 100 | Nil | | Rs. 100 to Rs. 500 | Rs. 100 | | Rs. 501 to Rs. 1,000 | Rs. 500 | | Rs. 1,001 to Rs. 5,000 | Rs. 600 | | 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. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For ICICI Coral Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
ICICI Coral Credit Card Highlights
What do we like about this card?
- Earn 1 reward point for every Rs. 100 spent on utilities and insurance.
- Earn 2 reward points for every Rs. 100 spent on other purchases (excluding fuel).
- Get up to 10,000 bonus reward points each year through the Milestone Program.
- Enjoy 1 complimentary domestic airport lounge visit per quarter.
- Get 1 complimentary railway lounge pass per quarter.
- Save up to 25% on movie tickets at BookMyShow and INOX.
- Avail exclusive dining discounts through the ICICI Bank Culinary Treats Programme.
Things to Know Before you apply
Get this card if:
- You want a low-cost, entry-level credit card with a small annual fee
- You can spend Rs. 2 lakh or more in a year to unlock milestone bonus rewards
- You are looking for a card that offers rewards along with useful lifestyle benefits like dining, movies, and lounge access
Pros
- Low annual fee with easy waiver on spending
- Earn up to 10,000 milestone reward points annually
- Save up to Rs. 4,800 on movie tickets
- Up to 4 free domestic airport and railway lounge visits per year
- Dining discounts via platforms like Zomato, EazyDiner, and Swiggy
Cons
- Low rewards earning rate and limited redemption value
- Airport lounge access comes with a spending condition
ICICI Bank Credit Card Contact Details
ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
- Simply SMS: Send an SMS to 5676766 from your registered mobile number.
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Frequently Asked Questions
Yes, you can enjoy 2 movie tickets per month on BookMyShow and INOX.
A fee of 2.5% of the withdrawn amount (minimum Rs. 500) is charged, plus an interest rate of 3.75% per month until repayment.
Yes, it has an embedded chip that ensures secure transactions at stores and ATMs.
No, this card provides complimentary access only to domestic airport and railway lounges.
Earn 2 reward points on every Rs. 100 spent on retail purchases and 1 reward point on utility and insurance spends.
Yes, you get 2,000 reward points on spending Rs. 2 lakh annually and 1,000 points for every additional Rs. 1 lakh spent.
Yes, spending Rs. 1.5 lakh in the previous year waives the annual fee.
Yes, it includes 24×7 concierge services and personal insurance cover worth Rs. 2 lakh.
