About ICICI Coral Credit Card
The ICICI Coral Credit Card is a beginner-friendly credit card designed for people who are new to using cards. This entry-level card offers reward points on everyday spending, complimentary airport and railway lounge access, movie ticket discounts, and dining offers. With a low annual fee of Rs. 500, it is a good option for users who want basic lifestyle benefits while also building their credit score.
Offered by ICICI Bank credit cards, the card also comes in a RuPay variant that provides added benefits like 24×7 concierge service and insurance coverage. Overall, it is a suitable credit card for everyday use, though users looking for premium rewards or high cashback benefits may explore other options.
The ICICI Coral Contactless credit card is a low annual fee card that offers benefits on movies, dining, shopping, and travel. Cardholders can earn rewards even on utility and insurance payments, along with discounts on movie tickets and dining. The spend-based benefits are easy to achieve, making this card suitable for regular everyday spending.
ICICI Coral Credit Card Rewards Program
Rewards Earning
Cardholders can earn reward points on every Rs. 100 spent in the following manner:
- 2 reward points on all retail transactions
- 1 reward point on utility and insurance payments
- 6X to 12X reward points on travel bookings made through iShop
Milestone Benefits
- Get 2,000 bonus reward points on annual spends of Rs. 2 Lakh
- Earn an additional 1,000 reward points for every Rs. 1 Lakh spent beyond Rs. 2 Lakh in a year
Reward Redemption
The accumulated reward points can be redeemed against a wide range of categories, including travel bookings, shopping vouchers, electronics, fashion, lifestyle products, home appliances, beauty products, and more.
Also Read: Best Milestone Benefits Credit Cards
Other Features and Benefits
Lounge Access
- Get 1 complimentary domestic airport lounge visit every quarter on spending at least Rs. 75,000 in the previous quarter
- Enjoy 4 complimentary railway lounge visits every year
Also Check: Best Lounge Access Credit Cards
Movie Benefits
- Avail 25% discount, up to Rs. 100, on booking a minimum of 2 movie tickets via BookMyShow and INOX, twice every month
Suggested Read: Best Credit Cards for Movie Tickets
Dining Benefits
- Enjoy exclusive discounts at partner restaurants across India under the ICICI Bank Culinary Treats dining program
Annual Fee Waiver
- Annual fee reversal on spending Rs. 1.5 Lakh or more in the previous year
Also Read: Best Fee Waiver Credit Cards in India for 2026
Fuel Benefits
- Save 1% on fuel surcharge at HPCL petrol pumps on transactions between Rs. 400 and Rs. 4,000
Additional Benefits
- 24×7 concierge assistance for travel, dining, and entertainment needs
- Personal accident insurance cover worth Rs. 2 Lakh for ICICI RuPay credit card users
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 |
|
Apply for a Credit Card & Get Instant Approval
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
Click here to know More Terms and Conditions
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.
Apply for a Credit Card & Get Instant Approval
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.
