ICICI Coral Credit Card Review – Eligibility, Rewards, Fees and Charges

A card from ICICI Bank’s ‘Ratna Sangrah’. These cards can be used in Visa and MasterCard variants. You can avail benefits on shopping, travel and movie spends on this card. Complimentary lounge access is also provided. Let us know more about the benefits of ICICI Coral Credit Card and its charges.

ICICI Bank’s Gemstone collection has five credit cards – Coral, Rubyx, Sapphiro, Emeralde and Diamant.

Read here all ICICI Card Details

Features of ICICI Coral Credit Card

  • Annual Fee: Rs.500.
  • 2 complimentary movie tickets every month from BookMyShow.
  • Enjoy ‘Buy One Get One’ offer at INOX Cinemas.
  • 1 complimentary airport lounge visit and railway lounge visit in a quarter.
  • Enjoy 1% fuel surcharge waiver at HPCL petrol pumps.
  • Save a minimum of 15% on your dining bill at select restaurants.
  • Earn 2 PAYBACK points on every Rs.100 spent on the card.
  • Get bonus PAYBACK points on reaching spending milestones.

Fees and Charges of ICICI Coral Credit Card

The following are the fees and charges associated with the ICICI Bank Coral Credit Card:

CategoryFees and Charges
joining feeRupee. 500
Annual FeeRupee. 500
finance charge3.50% p.m. / 42% p.a.
Foreign currency mark-up fee0.035
cash advance interest rate3.50% p.m. / 42% p.a.
cash advance transaction fee2.50% on Advance Account / Min Rs. 300
redemption handling fee99 rupees
Dial-a-Draft Transaction Fee3% of the draft value or Rs.300
over limit charges2.50% on excess amount / minimum Rs.500
card replacement fee100 rupees

ICICI Coral Credit Card Late Payment Charges

late paymentcharge
For amount less than Rs.100Zero
For amount between Rs.100 and Rs.500100
For amount between Rs.501 and Rs.10,000Rs 500
For amount above Rs.10,000Rs 750

ICICI Coral Credit Card Reward Points

The Coral Credit Card from ICICI Bank is a favorite among customers due to its wide range of reward schemes. You get PAYBACK points for all transactions done using the credit card.

  • If you spend ₹2 lakh in a year, you can get 2000 reward points. However, you can get a maximum of 10,000 rewards for a year.
  • You can get a fuel surcharge waiver if you use your Coral Credit Card for transactions up to ₹4000 at HPCL petrol pumps.
  • ICICI Bank’s Coral Credit Card gives you free access to airport lounges every quarter. You also get free access to the Railway Lounge every quarter.
  • If you are an InterMiles Coral Credit Card holder, you get 1,200 additional JPMiles every year.
  • If you are an NRI Coral Credit Card holder, you get 3 complimentary UBER vouchers worth ₹100 each.

ICICI Coral Credit Card Reward Points Redeem

There are 2 ways to redeem your reward points:

You can redeem your ICICI Coral Credit Card points by logging into your Internet Banking account or by calling the 24×7 customer care number.

You can call the customer care representatives in your city to know the detailed process to redeem the reward points

  • You can also login to your netbanking account and go to the Credit Card page
  • Click on Reward Points
  • Click on Redeem Online to redeem your reward points

Documents Required

To be eligible to apply for ICICI Coral Credit Card, you must meet the basic eligibility requirements set by the bank in this regard. The parameters include age, location, occupation, income etc. The criteria may differ from one card to another.

If you meet the basic criteria and your application passes the next level of screening, your profile will be assessed on the basis of your credit profile, payment history etc.

Also you will have to submit KYC documents. Given below are the documents that the bank can accept as valid proof.

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Driving License, Voter ID Card or any other government approved photo ID
  • Address Proof: Aadhaar Card, Passport, Utility Bill (not older than 3 months) or any other government approved address proof
  • Income Proof: Last 3 months Bank Statements, Last 3 Months Salary Slips, Audited Financials for last 2 years (for Self Employed) or Form 16

Apply for ICICI Coral Credit Card

How do I apply for ICICI Coral Credit Card?

  • Go to Personal Banking & Netbanking Services Online – ICICI Bank and click on Products > Cards > Credit Cards.
  • Once the Credit Card page opens, select your Net Annual Income as ‘> 5 Lakh’.
  • An image of ICICI Coral Credit Card will flash on the screen along with the Apply Now button.
  • Click on the Apply Now button and a tab containing the application form will open.
  • Fill all your personal details in the application form and click on Get Offers.
  • Based on your employment and income, your eligibility will be confirmed.
  • Within a few seconds, an image with the details of the card will be displayed on your screen.
  • Click on Apply Now button and fill the application form.

After submitting your application, you can check the application status online or you can call the ICICI Bank customer care for the same.

You can also visit the nearest branch of ICICI Bank to apply for the card or directly call their toll-free number 1800-200-3344 to start the application process.

How can I check whether I am eligible for the card or not?

The ideal applicant should be above 23 years of age and should also be an Indian resident.

If the applicant is a salaried employee, his annual salary should be more than ₹5 lakh.

If the applicant is self-employed, he/she needs to submit his/her ITR documents of the previous year and based on that the eligibility will be verified by the bank.


Given below are the benefits of ICICI Coral Credit Card:

1. Movie Benefit:

You can enjoy Buy One Get One Free offer on movie tickets at BookMyShow and INOX Cinemas. Up to 2 free tickets of Rs.250 each can be availed. Please note that this booking will be on first come first serve basis and hence there is no guarantee that you will be able to avail this offer.

2. Reward Points:

ICICI Coral Credit Card rewards you for all your spends with PAYBACK.

You’ll earn rewards in the following ways:

  • Earn 2 PAYBACK points per Rs 100 spent on all categories except fuel
  • Earn 1 PAYBACK point per Rs 100 for insurance and utility bill payments

3. Dining Benefit:

Under the ICICI Culinary Treats program, you can avail a minimum of 15% discount on dining at over 2,500 restaurants across 12 major cities.

4. Milestone:

On spending Rs 2 lakh in a year, get 2,000 bonus PAYBACK points and 1,000 additional PAYBACK points, on reaching another Rs 1 lakh spend you can earn a maximum of 10,000 PAYBACK points in a year.

5. Lifestyle Benefits:

You can also avail discounts at luxurious hotels, lifestyle stores, spas, salons, Wine Junction and more using the ICICI Bank Coral Credit Card. Please note that these privileges are provided by the network partner – Visa or Mastercard – and are subject to their own terms and conditions.

6. Annual Fee Exemption:

The annual fee is waived off if you spend Rs 1.5 lakh or more in the previous year.

7. Fuel Surcharge Waiver:

Save more on fuel using your ICICI Coral Credit Card. Avail 1% fuel surcharge waiver at all HPCL petrol pumps across the country for transactions up to Rs.4,000.

ICICI Bank Coral Credit Card Customer Care Number 

For all your credit card related queries, you can contact ICICI Bank Credit Card Customer Care team at:

  • Email: [email protected]
  • Phone: 1860 120 7777
  • Local Call: 33667777 (Prefix Local Area Code)

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