ICICI Bank credit card
ICICI Bank Coral Credit Card
Lifestyle benefits at an affordable annual fee — movies, lounges, and rewards included.
Credofly overview
Is ICICI Bank Coral Credit Card right for you?
The ICICI Coral is an ideal starter credit card with well-rounded lifestyle benefits for moviegoers, urban commuters, and young professionals. It has a low fee and tangible benefits that quickly recover the cost.
Perfect for first-time credit card users who enjoy lifestyle perks like movie BOGO offers, dining discounts, and occasional lounge access.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
-
2 Reward Points per ₹100 on retail spends
-
1 RP per ₹100 on insurance and utility spends
-
1 RP = ₹0.25 when redeemed at ICICI Rewards portal
-
Minimum redemption: ₹500 equivalent
How you can redeem
-
Redeem via ICICI Rewards portal
-
Redeem for shopping, lifestyle, travel
-
1 RP = ₹0.25
-
Min redemption = ₹500 equivalent
EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Fuel, Government Spends, Tax Payments, and Jewelry
<p>No reward points are given on fuel, wallet loads, and government payments.</p>Beyond rewards
Benefits that matter
Welcome offer
No dedicated welcome voucher, but you start enjoying all benefits immediately.
Milestone benefits
-
₹2,000 worth RP on annual spends of ₹2L
-
₹1,000 worth RP for every ₹1L above ₹2L, up to ₹10,000/year
Renewal benefits
Annual fee waived on spends of ₹1.5L in previous year
Card benefits
-
25% off (max ₹100) on 2 BOGO movie tickets/month (BookMyShow/INOX)
-
1 complimentary domestic airport lounge access per quarter (min ₹5K spend prev. qtr)
-
1 complimentary railway lounge visit per quarter
-
Dining offers at 2,500+ restaurants via Culinary Treats
Lifestyle & travel
movie, lounge domestic
Our independent take
Credofly review
This card is highly underrated. ICICI Coral punches above its weight in the entry-level segment. It gives cardholders access to movie, travel, and dining perks — all bundled with milestone rewards that can offset the annual fee many times over. The RP rate is modest (~0.5%), and there’s no international usage value, but if your lifestyle aligns with its benefits, it’s one of the best ₹500 cards in India.
ICICI Bank Coral Credit Card is a reliable starter card for salaried professionals, lifestyle spenders, and even side-card users who want lounge + movie perks. The fee is low, the waiver is easy, and milestone rewards are generous for the category. It’s not a global travel card — but as a daily-use card with entertainment and food benefits, it excels in what it promises.
Why we like it
-
Easy to earn back the fee
-
Great BOGO offers and entry-level lounge perks
-
Milestone rewards scale with your spending
Strengths
- <p>Lounge and movie benefits at just ₹500/year</p>
- <p>Milestone rewards worth up to ₹10,000/year</p>
- <p>Fee waiver at ₹1.5L spend is very achievable</p>
Watch-outs
- <p>Low reward point value and limited redemption options</p>
- <p>No international lounge access</p>
- <p>No RP on fuel, wallet loads, govt. spends</p>
Before you apply
Eligibility & application
Eligibility
-
Age: 21–65 years
-
Min income: ₹20K/month (salaried) or ₹2.4L/year (self-employed)
-
Indian resident with decent CIBIL (700+)
How to apply
Apply online via: https://credofly.com/go/icici-coral
ICICI also allows SMS-based or app-based card applications.
Your questions answered
FAQs
What is the annual fee for ICICI Coral Credit Card?
₹500 + GST (waived on ₹1.5L spend annually)
What is the value of reward points?
1 RP = ₹0.25. Redeem via ICICI Rewards portal.
Is lounge access available?
Yes, 1 airport + 1 railway lounge access per quarter.
What are the movie benefits?
25% off (up to ₹100) on BOGO tickets twice/month (BookMyShow/INOX)
Is it suitable for first-time credit card users?
Yes, it’s one of the best starter cards in India under ₹500 fee.
Are fuel transactions rewarded?
No RP on fuel, but 1% surcharge waiver at HPCL.
How do I apply for ICICI Coral Credit Card?
Use this link to apply: https://credofly.com/go/icici-coral
From cardholders
User reviews
There are no reviews yet. Be the first one to write one.
Did you find this page helpful?
Why Trust Credofly?
Verified Reviews
Every review is vetted for accuracy and transparency. We show what matters most to real users.
Credofly Score™
Our proprietary score rates cards on 50+ data points across 7 key categories to help you choose better.
SmartCheck™ Verified
Look for the SmartCheck badge — it means our editorial team has manually reviewed and verified the card.
No Hidden Bias
We may earn from affiliate links, but our rankings and reviews are always independent and honest.