Travel on Points

ICICI Bank Coral Credit Card

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  • Joining fee

    ₹500 + GST

  • Annual fee

    ₹500 + GST

  • Best suited for

    Movies, Dining

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    0.25% Back On Utility & Insurance Spends (1 RP/₹100) And 0.50% Back On All Other Eligible Spends (2 RP/₹100)

  • Reward redemption

    1 Reward Point = ₹0.25

Benefits

  • Movie & dining

    25% Off (Up To ₹100) On BookMyShow And INOX Tickets By Spending ₹25,000 Or More In The Previous Quarter

  • Travel

    One Free Railway Lounge Access Each Quarter

  • Domestic lounge

    1 Domestic Lounge Access Every Quarter (4 Each Year)

  • Insurance

    Personal Accident Cover With RuPay Variant (₹2 Lakh)

Fees & charges

  • Spend-based waiver

    Annual Fee Waiver on Spends of ₹1.5 Lakh or More

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5% of the transaction amount

  • Interest rates

    3.75% Per Month (45% Per Annum)

  • Fuel surcharge waiver

    You get a fuel surcharge waiver of 1% across all HPCL petrol stations in India. This offer valid for transaction up to Rs 4,000/-

  • Cash advance charges

    2.5% or a Minimum of ₹500 (Whichever is Higher)

Product highlights

  • 1 Reward Point per Rs. 100 you spent on utilities & insurance-related spends.
  • 2 Reward Points per Rs. 100 you spend (except Fuel).
  • Earn up to 10,000 bonus RPs annually under the Milestone Program.
  • Get 1 complimentary domestic lounge access every quarter.
  • Get 1 complimentary railway lounge pass every quarter.
  • Enjoy up to 25% discount on movie ticket booking on BookMyShow and INOX.
  • You get exclusive dining deals through the ICICI Bank Culinary Treats Programme using the ICICI Bank Coral credit card.

Pros & cons

Pros

  • Even though Coral is a basic credit card, it still offers free railway lounge access without having to meet any spend-based criteria.
  • One can easily link this card (RuPay variant) to UPI and make payments.

Cons

  • Those who get the paid Coral variant are not offered any joining benefits along with the card.

FAQs

How can I redeem my Reward points with ICICI Coral credit card?

The reward points can be redeemed by contacting ICICI Bank Credit Card customer care.

Does ICICI Coral credit card comes liability protection to its customer in case of loss or theft?

Yes, ICICI Bank does provide a protection cover to its customers in case of loss or theft if it is reported with a stipulated time period.

What if I pay more than the total amount owed on my ICICI Coral credit card?

The excess amount appears on your monthly bank statement and is deducted from future purchases.

What is the interest charge on my ICICI Bank Coral credit card?

Interest charge on the ICICI Bank Coral Credit Card is 45% per annum (3.75% per month).