Quick Overview
Pros & Cons
✅ Pros
- ✓ 2 reward points per ₹100 on all spends
- ✓ Up to 10,000 bonus points annually via milestones
- ✓ Quarterly domestic and railway lounge access
- ✓ 25% discount on movie tickets via BookMyShow
- ✓ 15% discount on dining at partner restaurants
- ✓ 1% fuel surcharge waiver at HPCL outlets
- ✓ Available in Visa, Mastercard, and AmEx variants
- ✓ Annual fee waiver on ₹1.5 lakh spend
❌ Cons
- ✗ High minimum income requirement
- ✗ Basic travel benefits compared to premium cards
- ✗ No international lounge access
- ✗ Reward redemption fee of ₹99
- ✗ Limited cashback compared to cashback cards
- ✗ High forex markup charges
🎯 Best For
About This Card
Are you looking for a credit card that balances premium lifestyle benefits with everyday value? The ICICI Coral Credit Card has long been a popular choice in India’s competitive credit card market. As of July 2025, it continues to offer a compelling mix of rewards, travel perks, and entertainment discounts, making it an excellent entry-level to mid-range option. In this detailed review, we’ll break down everything you need to know about the ICICI Coral Credit Card—its features, fees, benefits, and whether it deserves a place in your wallet.
ICICI Coral Credit Card: Features at a Glance (2025)
The card is designed for individuals who want more than just basic credit functionality. It packs a punch with features that cater to dining, travel, and entertainment.
| Feature | Benefit |
|---|---|
| Joining & Annual Fee | ₹500 + GST (Waived on spending ₹1,50,000 in the previous year) |
| Welcome Gift | Varies based on current promotions. |
| Reward Points | Up to 2 ICICI Reward Points per ₹100 spent. |
| Milestone Rewards | Bonus reward points on reaching spending milestones. |
| Lounge Access | Complimentary access to select domestic airport and railway lounges. |
| Entertainment | 25% discount (up to ₹100) on movie tickets via BookMyShow. |
| Dining Benefits | Discounts via the ICICI Bank Culinary Treats Programme. |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions at HPCL pumps. |
Unpacking the Reward Points Program
The ICICI Rewards program is straightforward. You earn points on almost all your purchases, which can be redeemed for a wide array of products, vouchers, and more.
| Spending Category | Reward Points Earned (per ₹100) |
|---|---|
| All Retail Purchases (except fuel) | 2 Points |
| Utilities and Insurance Categories | 1 Point |
| Fuel Purchases | 0 Points (but offers a fuel surcharge waiver) |
Milestone Bonus: Get 2,000 bonus ICICI Reward Points on spending ₹2,00,000 and an additional 1,000 points for every ₹1,00,000 spent thereafter in an anniversary year (maximum 10,000 points).
Beyond Rewards: Milestone & Lifestyle Perks
Movie & Dining Offers
Enjoy a 25% discount, up to ₹100, on a minimum of two movie tickets per transaction on BookMyShow. This offer can be availed twice a month. Additionally, the ICICI Bank Culinary Treats Programme provides exclusive discounts at hundreds of partner restaurants across India.
Complimentary Lounge Access
Travel in comfort with complimentary access to airport and railway lounges. The card offers one complimentary visit to select domestic airport lounges and one complimentary visit to select railway lounges in India per quarter. This perk is activated upon spending a minimum of ₹5,000 in the previous calendar quarter.
ICICI Coral Credit Card: Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee (from 2nd year) | ₹500 + GST |
| Annual Fee Waiver | Spend ₹1,50,000 or more in an anniversary year. |
| Interest Rate (APR) | 3.40% per month (40.80% annually) |
| Foreign Currency Markup | 3.50% of the transaction amount |
How to Apply for the ICICI Coral Credit Card
Applying for the card is a simple online process. Before you begin, ensure you meet the basic eligibility criteria, which typically include a minimum age of 21 and a stable monthly income.
- Visit the official ICICI Bank credit card application page.
- Select the ICICI Coral Credit Card from the available options.
- Fill in the online application form with your personal, professional, and financial details.
- Upload the required documents, such as your PAN card, address proof, and income proof (salary slip or ITR).
- Submit the application and wait for the bank’s verification and approval process.
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How Does the ICICI Coral Card Compare?
The ICICI Coral Credit Card holds its own as a great all-rounder. While it offers a bit of everything, some users might find specialized cards more rewarding. For instance, avid online shoppers might get more value from a co-branded card that offers higher cashback on specific platforms. A good example to compare against is the Axis Bank Flipkart Credit Card, which is tailored for e-commerce spending.
Frequently Asked Questions (FAQs)
1. How can I get the ICICI Coral credit card for free?
You can get the annual fee of ₹500 waived by spending ₹1,50,000 or more in the preceding card anniversary year. Often, ICICI Bank also runs promotions offering the card as Lifetime Free (LTF) for select customers or through specific channels.
2. What is the value of 1 ICICI Reward Point?
The value of 1 ICICI Reward Point is typically ₹0.25 when redeemed for vouchers or products from the ICICI rewards catalogue. The value can vary based on the redemption option chosen.
3. Is the ICICI Coral Credit Card good for international use?
While the card is accepted globally, it comes with a foreign currency markup fee of 3.5%. For frequent international travelers, a card with a lower forex markup fee would be more cost-effective.
Final Verdict: Is the ICICI Coral Credit Card for You?
The ICICI Coral Credit Card is an excellent choice for first-time users and salaried individuals looking for a versatile card that goes beyond basic rewards. Its blend of milestone benefits, lounge access, and entertainment discounts provides tangible value. If you can meet the annual spending threshold to waive the fee, it becomes an even more attractive proposition. For those seeking a reliable and feature-packed card without a hefty annual fee, the ICICI Coral Credit Card remains a top contender in 2025.
Key Features
Reward Points
2 reward points per ₹100 spent on all transactions
Milestone Bonuses
Up to 10,000 bonus points annually on spending milestones
Lounge Access
Quarterly domestic and railway lounge access
Movie Discounts
25% discount on BookMyShow movie tickets
Dining Benefits
Up to 15% discount at partner restaurants
Multiple Networks
Available in Visa, Mastercard, and AmEx variants
Reward Program
Fees & Charges
Eligibility Criteria
📄 Required Documents
- 📄 PAN Card
- 📄 Aadhaar Card
- 📄 Salary Slips
- 📄 Bank Statements
- 📄 Form 16/ITR
- 📄 Address Proof
Frequently Asked Questions
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