ICICI Coral Credit Card

The ICICI Coral Credit Card is designed for people who are new to credit. It offers decent rewards, lounge access, and movie benefits. Plus, it has a low annual fee of Rs. 500, making it a good option for those who want a simple credit card to start building their credit history. However, if you want a credit card with higher rewards or more benefits in specific categories, you might want to explore other options.

Credit Card Offer

Key Highlights of ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
Best Suited For Rewards
Joining Fee Rs. 500
Annual Fee Rs. 500
Movie Benefits Get 25% discount (up to Rs. 100) on BookMyShow and Inox when you buy a minimum of 2 movie tickets per transaction.
Dining Discounts ICICI Coral Credit card offers exclusive dining offers through ICICI Bank Culinary Treats Programme.
Best Feature 10,000 reward points every anniversary year; 2 reward points for every Rs. 100 spent (except fuel)
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Table of Contents
Features and Benefits
Fees and Charges
Eligibility and Documentation
Should you get this Card?
Other Similar Credit Cards
FAQs

The ICICI Coral Credit Card comes with several benefits:

1. Reward Points: You earn 2 reward points for every Rs. 100 spent and 1 reward point for every Rs. 100 spent on utilities and insurance.

Also read: Best Rewards Credit Cards in India

2. Movie Tickets: You get a 25% discount (up to Rs. 100) on BookMyShow and Inox when you buy a minimum of 2 movie tickets per transaction. You can use this offer twice a month. 3. Fuel Surcharge Waiver: You can enjoy a 1% fuel surcharge waiver, but it's valid only at Hindustan Petroleum Corporation Limited Pumps. 4. Lounge Access: You can access domestic railway lounges in India up to once per quarter, provided you spend a minimum of Rs. 5,000 or more in a calendar quarter to avail the benefit in the next quarter.

Also read: Best Credit Cards with Airport Lounge Access

5. Milestone Reward Program: Spending Rs. 2 lakh with the card gets you 2,000 reward points, and an additional 1,000 reward points for spending Rs. 1 lakh. 6. Annual Fee Waiver: If you spend over Rs. 1.5 lakh with your Coral credit card, the annual fee of Rs. 500 will be waived. 7. Dining Discounts: You can enjoy exclusive dining offers through the ICICI Bank Culinary Treats Programme. 8. Chip and Pin Security: The card comes with an embedded microchip and a PIN (Personal Identification Number) for added security, making it difficult for the card's data to be duplicated or used for fraudulent purposes.
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The fees and charges associated with the ICICI Bank Coral Credit Card are as follows:

Tital Details
Joining Fee Rs. 500
Annual Fee Rs. 500
Finance Charges 3.40% per month|40.80% p.a.
Late Payment Charges** For Statement Balance
  • Below Rs. 100 – Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

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To apply for the ICICI Bank Coral Credit Card, applicants should meet the following eligibility criteria:

Criteria Details
Occupation Salaried and 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 for the list of acceptable documents

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The ICICI Coral Credit Card is a suitable choice if you're new to credit cards and prefer a low annual fee of Rs. 500. However, it's important to note that the card's benefits are somewhat scattered and limited. Here's a summary of its features:

  • Basic Reward Rate: You earn a basic reward rate of 2 reward points for every Rs. 100 spent.
  • Movie Benefits: The card offers a 25% discount on Inox and BookMyShow, but this can only be used twice a month, subject to ticket availability.
  • Fuel Surcharge Waiver: You get a 1% fuel surcharge waiver, but it's applicable only at HPCL Pumps.
  • Annual Fee Waiver: The annual fee of Rs. 500 is waived if you spend over Rs. 1.5 lakh in a year, which may be a significant sum given the limited benefits.

In conclusion, The ICICI Bank Coral Credit Card is a low-fee option with modest benefits. If you're seeking a card with higher rewards and more extensive perks, you might want to explore other options. However, if you're a beginner looking for a low-maintenance card to start building your credit history, The ICICI Coral Credit Card could be a good fit for you. To find the best card for your specific needs, you can click here to compare and apply.

Here are some of the Best credit cards that provide benefits similar to the ICICI Bank Coral Credit Card:

Credit Card Annual Fee Best Feature
Standard Chartered Platinum Rewards Credit Card Rs. 250 5 reward points on every Rs. 150 spent on dining and fuel
SBI Simply Click Credit Card Rs. 499 10X reward points on online spends with partners (Amazon, BookMyShow, Lenskart, Apollo24X7, Netmeds, Cleartrip and Eazydiner)
HSBC Smart Value Credit Card Rs. 500 3X reward points on your spends on online, dining and telecom categories
HDFC MoneyBack Credit Card Rs. 500 4 reward points on every Rs. 150 spent online

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1. Is it safe to make offline transactions through ICICI Bank Coral Credit Card?

Yes, it's completely safe to make offline transactions using the ICICI Bank Coral Credit Card because it comes with an embedded chip that enhances security for transactions at stores or ATMs.

2. Is there any movie offer on this credit card?

Yes, you can get 2 movie tickets per month across BookMyShow and Inox with this credit card.

3. What are ICICI Coral credit card cash withdrawal charges?

The credit card cash withdrawal charges for ICICI Bank are calculated as 2.50% of the advanced amount or a minimum of Rs. 300, whichever is greater.

4. How can I redeem ICICI Coral Credit Card Reward Points?

To redeem your ICICI Coral Credit Card points, you have two convenient options:

1. Online Redemption:
  • Sign in to your ICICI Bank Internet Banking account.
  • Navigate to the "Reward Points" section.
  • Click on the "Redeem Online" option to initiate the redemption process.
2. Phone Redemption:
  • You can also redeem your points by calling the 24x7 customer care hotline.

For more detailed information about redeeming your ICICI Credit Card Reward Points, please refer to the official ICICI Bank website.

5. I have lost my ICICI Bank Coral Credit Card. What should I do?

If your ICICI Bank Coral Credit Card is lost or stolen, you should call ICICI Bank's Credit Card Customer Number right away to report it and have your card blocked for security.

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You can access the following links to find detailed information and procedures related to managing your ICICI Bank Credit Card

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