Save up to ₹11,000 or more with this lifestyle credit card. Get 25% off on movie tickets, 1% fuel surcharge waiver, and more.
Here is a glimpse of the credit card details:
Joining Fee |
₹500 |
Annual Fee |
₹500 (Second year onwards) (Waived off if you spend over ₹1.5 Lakhs in the preceding year) |
Suitable for |
Lifestyle shopping |
Key Feature |
Get 25% discount on movie tickets per month (Max ₹100) |
Milestone Benefit |
Get 2,000 points on spending ₹2 Lakhs |
If you are starting out on your journey with credit cards, this card from ICICI Bank allows you to accumulate rewards on daily purchases. It also offers perks that help you upgrade your lifestyle.
Get 2 reward points on every ₹100 you spend in eligible categories
Get 1 reward point on every ₹100 you spend on utility bills and insurance
Earn 2,000 points on spending ₹2 Lakhs and 1,000 points every time you cross ₹1 Lakh on subsequent purchases in an anniversary year
Get a 25% discount of up to ₹100 twice a month on buying movie tickets via BookMyShow or Inox
Enjoy access to airport and railway lounges and get culinary, travel, and other benefits with ‘Mastercard Moments’
Get offers from luxury hotels, spas, and more as a VISA cardholder and get complimentary access to domestic airport/railway lounges
Enjoy a 1% waiver on fuel surcharge on bills up to ₹4,000 at HPCL pumps
Convert bills into EMI and monitor all your credit card usage on the go with ICICI Bank’s mobile banking app
Make instant payments by scanning QR codes when you link the iMobile Pay App on your phone to a UPI app
Enjoy instant access to cash from over 17,000 ATMs in India with this ICICI Bank Credit Card
Enable the auto-pay feature and make your monthly credit card bill payments hassle-free
The ICICI Bank Rewards program is one of India’s largest loyalty ecosystems. You can redeem points for electronics, travel vouchers, jewellery, and more
Here is how the rewards program works for the ICICI Bank Coral Credit Card:
You get 2 reward points on every ₹100 spent in categories other than fuel
Here is an example:
Purchase (Monthly) |
Amount |
Reward Points |
Value in ₹ |
Grocery Shopping |
₹2,000 |
40 |
₹10 |
OTT Subscriptions |
₹4,000 |
80 |
₹20 |
Disclaimer: The above example is for illustration purposes only.
You get 1 reward point on every ₹100 on utility and insurance payments
Here is an example:
Purchase (Monthly) |
Amount |
Reward Points |
Value in ₹ |
Electricity Bill |
₹1,500 |
15 |
₹3.75 |
Insurance Premium |
₹3,000 |
30 |
₹7.5 |
1% Fuel Surcharge |
₹2,000 |
- |
₹20 |
Disclaimer: The above example is for illustration purposes only.
You can also receive up to 10,000 milestone rewards per year, distributed as follows:
Spend Threshold (₹) |
Reward Points |
2 Lakhs |
2,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
1 Lakh |
1,000 |
TOTAL |
10,000 |
To redeem points, you can log in to your credit card account through net banking or the iMobile app.
Choose from various brands across gadgets, memberships, hotels, travel, and more. A redemption handling fee of ₹99 is applicable.
All the reward points collected are valid for 36 months from the date of issuance. Each reward point is valued at ₹0.25.
Using the above examples, here is a look at what your annual expenses and savings will look like:
Category |
Details |
Conversion |
Cash Value (₹) |
Grocery Shopping |
Accelerated Category Spends (2X) 24,000 pa/ 2,000 pm |
Reward Points = 480 2X(24,000/100) |
120 |
Subscriptions |
Accelerated Category Spends (2X) |
Reward Points = 960 2X(48,000/100) |
240 |
Electricity Bill |
Special Category Spends 18,000 pa/ 1,500 pm |
Reward Points = 180 (18,000/100) |
45 |
Insurance Premium |
Special Category Spends |
Reward Points = 360 (36,000/100) |
90 |
Fuel Surcharge Waiver |
1% x 2,000 |
1% x 2,000 x 12 |
240 |
Total Annual Savings |
1,980 |
735 |
Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer. Please check with the card issuer before applying.
This example demonstrates that you can get annual savings of around ₹735 on earning 1,980 reward points a year. With a yearly spending of ₹3.60 Lakhs, you could save up to ₹11,175 with this card.
These are the fees and charges you are likely to incur when using this card:
Fee Type |
Details |
Joining Fee |
₹500 |
Annual Fee |
₹500 from second year onwards (Zero if you spend ₹1.5 Lakhs or more in the preceding year) |
Reward Redemption Fee |
₹99 |
Cash Advance Fee |
2.50% of the withdrawn amount or ₹500, whichever is higher |
Interest Charges |
3.40% per month |
Minimum Amount Due |
5% of the outstanding amount |
Late Payment Fee |
Can go up to ₹1,200 depending on the outstanding balance |
Foreign Transaction Fee |
3.50% of the transaction amount |
Note: A Goods & Services Tax (GST) of 18% is applicable on all the charges mentioned above.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
View the ICICI Bank Coral Credit Card eligibility criteria to know if you qualify. To apply, you must be:
An Indian citizen
A salaried individual aged between 21 and 58 years old
A self-employed individual aged between 21 and 65 years old
Earning ₹2.4 Lakhs annually if you have a salary account with ICICI Bank or ₹3.6 Lakhs if not
Here is a list of general documents you can prepare to facilitate a smooth application process:
Proof of Identity
Aadhaar card
PAN card
Driving Licence
Voter’s ID
Proof of Address
Ration card
Passport
Utility bills (not older than 3 months)
Proof of Income
Form 16 or audited financials for the last 2 years (if self-employed)
Salary slips (past 3 months)
Bank statements (last 6 months)
To get the ICICI Bank Coral Credit Card, apply online at Bajaj Markets. Read through the steps given below to know how to apply:
Click on ‘Check Eligibility’ and fill in the required details, including your professional, mobile number, and date of birth
Fill the One-Time Password (OTP) received on your number
Check the pre-filled details like your PAN, residential PIN code, email ID, and income information
Apply for the card that meets your needs from the available options
Click ‘Submit’ and complete your application
In case of any queries, reach out to ICICI Bank's customer care team via phone or email:
Call the 24/7 helpline at 1800 1080 (toll-free)
Email customer.care@icicibank.com
Before deciding on the ICICI Bank Coral Credit Card, take a look at other offerings from ICICI Bank:
Card Name |
Cashback |
Complimentary Airport Lounge Access |
Fuel Surcharge Waiver |
10X Reward Points |
ICICI Bank Coral Credit Card |
❌ |
✅ |
✅ |
❌ |
❌ |
❌ |
✅ |
❌ |
|
✅ |
✅ |
✅ |
❌ |
|
❌ |
❌ |
✅ |
❌ |
|
✅ |
❌ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
❌ |
❌ |
✅ |
❌ |
Disclaimer: The benefits mentioned are subject to change as per the policies of ICICI Bank. Check them before you apply for a specific card.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
You can redeem your reward points by logging in to your net banking account or through the iMobile Pay app.
The ICICI Bank Coral Credit Card offers vouchers, movie perks, and steady rewards for every use. This option could be suitable for first-time credit card users with an annual income of around ₹5 Lakhs.
The credit limit differs from person to person. This is decided by the issuer based on its policies and your credit profile, income, and other factors.
No, only the primary cardholder can access the lounge free of cost using the card.
The grace period ranges from 18 to 48 days for all ICICI Bank credit cards.
All you need to do is contact ICICI Bank’s 24/7 helpline and state your application number. The executives will be able to tell you the progress of your application.
When you cross your approved credit limit, ICICI Bank will take a call on whether to approve the transaction or not. If approved, you will incur an over-limit charge of 2.5% on the amount exceeding the credit limit, or ₹500, whichever is higher. This facility helps you get access to funds in emergencies.
Starting from July 1, 2024, a card replacement fee of ₹200 is applicable to get a new card.