ICICI Bank Coral Credit Card

ICICI Bank Coral Credit Card is basic entry level card in the market which offer exclusive benefits to its customer. It comes with joining and annual fees of ₹500 which is low so suitable for customer who have low credit score and wanted low annual fee card to build strong credit score. The card offer complimentary domestic airport and railway lounge access, Dining and movie benefits. The card also comes in Rupay variant so can be linked with UPI which make payment easy. The card also comes with other benefits so please read below article to make your choice whether to go for this card or not.

JOINING FEE
Rs.500+GST
RENEWAL FEE
Rs.500+GST
BENEFITS
4 Complimentary Domestic Lounge access in Year.
REWARDS &CASHBACK
15 % Discount on Dining & 25% Discount on BookMyshow upto Rs.100.

Key Features of ICICI Bank Coral Credit Card

Reward Points

  • Get 2 Reward point on every ₹100 retail spends except fuel.
  • Get 2 Reward point on every ₹100 on UPI spends as well.
  • Get 1 Reward point on every ₹100 on utilities and insurance spends.
  • No Reward points on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances.

Milestone Benefits

  • Get 2000 Reward point on achieving milestone spend of ₹2 lakh.
  • Get 1000 Reward point on every ₹1lakh spend after achieving milestone spends of ₹2 lakh.
  • Maximum 10000 Reward point can be earned in a year.

Travel Benefits

  • Get 1 complimentary domestic lounge access per quarter on spending ₹75,000 in previous quarter.
  • Get 1 complimentary railway lounge visit per quarter on popular railway station like Delhi, Agra, Jaipur, Ahemdabad, kolkata, Madurai.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on all HPCL fuel station across India on minimum transaction of ₹400- ₹4000.

Spend Based Waiver

  • The annual fee of Rs.500 is waived off if you had spent Rs. 1.5 lakh in previous year and this is very much achievable.

Dining and Movies

  • You will get 15% discount on dining bill at over 2500 premium restaurant under ICICI Bank Culinary treat programme.
  • Get 25% upto ₹100 off on purchase of minimum two movie ticket on bookmyshow and Inox.

Rupay Card

  • ICICI Bank Coral Credit Card comes under Rupay variant so you can easily linked with UPI and can enjoy seamless transaction without carrying physical card

Reward Redemption

  • The earned reward point can be redeemed against cash or e-voucher where value of 1 Reward point = ₹0.25. You can visit ICICI Bank reward portal to choose different e-voucher.

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Eligibility Criteria

Criteria Salaried Individuals Self Employed Individuals
Age
21-60 Years
21-65 Years
Income
₹20000 Per month
Self Employed with annual income of ₹2,40,000
  • Final Thoughts

ICICI Bank Coral Credit Card have decent reward and benefits like domestic airport and railway lounge access. milestone reward, Movie and dining benefits, Insurance benefits and much more. The card is for those who have low credit score and wanted to build good CIBIL and also want decent reward and exclusive benefits this kind of people can go without even think. Apart from benefits card have very minimum eligibility criteria so make easy choice for Individuals. Overall good credit card but if you want more reward and features can go for other credit card.

  • Frequently Asked Questions
Which transaction is excluded in Reward program?

Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances are excluded in cashpoint program.

Yes the annual fee is waived off on spending Rs. 1.5lakh in previous year.

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