ICICI Bank Coral Credit Card
Lifestyle benefits at an affordable annual fee — movies, lounges, and rewards included.
Network: Rupay, Mastercard, Visa | Type: Travel and Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST
- Waiver: Waived on annual spends ≥ ₹1.5L
- Foreign Markup: 3.5%
- Fuel Surcharge: 1% waiver at HPCL (₹400–₹4,000), swipe at ICICI terminals only
- Redemption Fee: ₹99 + GST
- Late Payment Fee: ₹100 – ₹1,200 (slab-based)
- Interest Rate: 3.4% per month (~40.8% annual)
- Cash Advance: 2.5% (min ₹300)
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.
Rewards & Earnings
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2 Reward Points per ₹100 on retail spends
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1 RP per ₹100 on insurance and utility spends
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1 RP = ₹0.25 when redeemed at ICICI Rewards portal
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Minimum redemption: ₹500 equivalent
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Redeem via ICICI Rewards portal
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Redeem for shopping, lifestyle, travel
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1 RP = ₹0.25
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Min redemption = ₹500 equivalent
Benefits
- Welcome:
No dedicated welcome voucher, but you start enjoying all benefits immediately.
- Milestone:
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₹2,000 worth RP on annual spends of ₹2L
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₹1,000 worth RP for every ₹1L above ₹2L, up to ₹10,000/year
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- Renewal:
Annual fee waived on spends of ₹1.5L in previous year
- Lifestyle:
movie, lounge domestic
Why We Like It
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Easy to earn back the fee
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Great BOGO offers and entry-level lounge perks
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Milestone rewards scale with your spending
Pros & Cons
✅ Pros
Lounge and movie benefits at just ₹500/year
Milestone rewards worth up to ₹10,000/year
Fee waiver at ₹1.5L spend is very achievable
❌ Cons
Low reward point value and limited redemption options
No international lounge access
No RP on fuel, wallet loads, govt. spends
Eligibility & Application
Eligibility:
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Age: 21–65 years
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Min income: ₹20K/month (salaried) or ₹2.4L/year (self-employed)
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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.
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
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