ICICI Bank Coral Credit Card

Key highlights of ICICI Bank Coral Credit Card

The table below lists the key highlights of the ICICI Bank Coral Credit Card and what they mean for you:

Feature	Details
Joining fee	₹500 + GST
Annual fee	₹500 + GST (Waived on ₹1.5 lakh annual spend)
Reward rate	2 Reward Points per ₹100 (retail), 1 per ₹100 (utilities/insurance)
Lounge access	1 domestic airport lounge visit per quarter (₹35,000 quarterly spend required) + 1 railway lounge visit per quarter
Fuel surcharge waiver	1% waiver at HPCL pumps (₹400–₹4,000)
Interest rate	Up to 3.75% per month
Income requirement	Salaried: ₹20,000/month+; Self-employed: ₹2.4 lakh ITR+
Best for	Movies, dining, occasional domestic travel
Recommended for	First-time users and moderate spenders

The Coral card is available on Visa, Mastercard, and RuPay networks. The RuPay variant allows UPI linking, making everyday merchant payments more convenient.

The ICICI Coral credit card annual fee is relatively low, and the waiver condition makes it easy for regular users to avoid renewal charges.

Why choose ICICI Bank Coral Credit Card?

The ICICI Bank Coral credit card benefits make it attractive for lifestyle users. The card offers:

• Affordable annual fee with a realistic waiver target.
• Complimentary airport and railway lounge access at entry-level pricing.
• Regular movie discounts twice a month.
• Dining savings through ICICI’s Culinary Treats programme.
• Milestone bonus reward points for higher annual spending.
• Available in RuPay for UPI transactions.

If you plan to convert large purchases into EMIs, using a Credit Card EMI Calculator can help you understand the total repayment cost before opting for EMI conversion. The ICICI Bank Coral credit card offers are especially useful for people who frequently book movie tickets or dine out.

Features and benefits of ICICI Bank Coral Credit Card

Reward point structure

The ICICI Bank Coral credit card reward points system is simple:

• 2 Reward Points per ₹100 on retail purchases
• 1 Reward Point per ₹100 on utilities and insurance
• No reward points on fuel transactions

The ICICI Coral credit card reward points accumulate automatically and can be redeemed for vouchers or statement credit.

Reward point value

The ICICI Coral credit card reward points value is generally ₹0.25 per point.

For example:

If you spend ₹50,000 on retail purchases:

₹50,000 ÷ 100 = 500 units

500 × 2 = 1,000 Reward Points

1,000 × ₹0.25 = ₹250 value

This gives an effective return of about 0.5% on regular retail spending.

Milestone benefits

The ICICI Coral credit card milestone benefits include:

• 2,000 bonus points on spending ₹2 lakh in an anniversary year
• 1,000 bonus points for every additional ₹1 lakh spent
• Maximum 10,000 bonus points per year

This structure benefits users who use the card consistently throughout the year.

Airport and railway lounge access

The ICICI Coral credit card airport lounge access benefits include:

• 1 complimentary domestic airport lounge visit every quarter (requires minimum ₹35,000 spend in the previous quarter)
• 1 complimentary railway lounge visit per quarter

This feature makes ICICI Bank Coral Credit Card one of the more affordable cards offering both airport and railway lounge benefits. Do note, however, that the airport lounge access is limited to domestic lounges and applicable to select locations.

Movie discounts

One of the most popular ICICI Bank Coral credit card offers includes:

• 25% discount (up to ₹100 per ticket)
• Valid on a minimum of two tickets
• Available twice per month
• Applicable on BookMyShow and INOX

This benefit is popular among young users who regularly watch movies.

Dining benefits

Through ICICI’s Culinary Treats programme:

• Minimum 15% discount at partner restaurants
• Available across multiple cities

Note that the actual discount may vary by restaurant and location.

Fuel surcharge waiver

The ICICI Coral credit card fuel surcharge benefit includes:

• 1% fuel surcharge waiver
• Valid at HPCL petrol pumps
• Applicable on transactions between ₹400 and ₹4,000

This reduces overall fuel costs slightly for regular users.

Fees and charges of ICICI Bank Coral Credit Card

The ICICI Bank Coral credit card charges and ICICI Bank Coral credit card fees include:

Charge type	Amount
Joining fee	₹500 + GST
Annual fee	₹500 + GST (Waived on ₹1.5 lakh annual spend)
Interest rate	Up to 3.75% per month (~45% annually)
Late payment fee	₹100 to ₹1,300 (based on outstanding)
Foreign currency markup	3.5%
Cash advance fee	2.5% or ₹500 (whichever is higher)
Reward redemption fee	₹99 + GST per redemption

The ICICI Coral credit card annual fee is reversed automatically if you have met the spending threshold.

Reward points and cashback value of ICICI Bank Coral Credit Card

The reward system is straightforward.

• Retail spends: 2 points per ₹100
• Utilities/insurance: 1 point per ₹100
• 1 point: ₹0.25

Example:

If you spend ₹1,20,000 in a year on retail:

₹1,20,000 ÷ 100 = 1,200 units

1,200 × 2 = 2,400 points

2,400 × ₹0.25 = ₹600 value

If you also qualify for milestone benefits, your total reward value increases further.

Eligibility criteria for ICICI Bank Coral Credit Card

To apply for an ICICI Bank Coral Credit Card, you need to meet the following eligibility criteria:

• Age: 21-65 years
• Salaried minimum income: ₹20,000 per month
• Self-employed minimum (ITR): ₹2.4 lakh per annum
• A credit score of 700+ improves approval chances

Final approval depends on ICICI Bank’s internal evaluation of your income and credit history.

Documents required for ICICI Bank Coral Credit Card

Here is a checklist of documents if you are planning to apply for an ICICI Coral Credit Card:

• PAN Card (mandatory)
• Aadhaar / Passport / Voter ID (address proof)
• Latest salary slips (salaried applicants)
• ITR documents (self-employed applicants)
• Bank statements if requested

How to apply for ICICI Bank Coral Credit Card through Urban Money?

You can apply for an ICICI Bank Coral Credit Card through Urban Money in the following easy steps:

1. Visit www.urbanmoney.com or the Urban Money app and navigate to the credit card section.
2. Choose ICICI Bank Coral Credit Card.
3. Enter your income and personal details.
4. Upload required documents.
5. Complete video KYC or tele-verification.
6. After approval, the card is dispatched within a few working days.

Pros and cons of ICICI Bank Coral Credit Card

The comparative table below lists the pros and cons of an ICICI Bank Coral Credit Card:

Pros	Cons
Affordable annual fee	Moderate reward rate
Airport and railway lounge access	Lounge requires spend condition
Movie discounts twice a month	₹99 redemption fee
Milestone bonus points	3.5% forex markup
RuPay variant supports UPI	No reward on fuel

Who should get an ICICI Bank Coral Credit Card?

• Young professionals earning ₹20k-₹60k per month
• First-time credit card users
• Movie lovers and dining enthusiasts
• Domestic travellers who want basic lounge access
• Users who want a secondary lifestyle card

Note that this card may not be best suited for heavy international travellers or people seeking high cashback rates.