ICICI Bank
ICICI Bank Coral Credit Card
Your rating
Community rating
Joining Fee
₹500
Annual Fee
₹500
Reward Rate
0.5% – 2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.5% – 2%
Earn rate
2
Points / ₹100
₹0.25
Per point
24 months
Point expiry
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
Things to Keep in Mind
- No international lounge access
- Limited reward rate compared to premium cards
- Annual fee not easily waived
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Good entry-level lifestyle credit card
- Useful movie discounts for regular moviegoers
- Includes both airport and railway lounge access
- Low annual fee with achievable waiver milestone
- Decent milestone rewards for moderate spenders
- Good beginner-friendly ICICI credit card
- RuPay variant supports UPI payments
- Reward redemption value is relatively low
- Airport lounge access requires high quarterly spending
- Forex markup is high at 3.5%
- Base reward rate is average compared to modern cashback cards
- Movie benefits now have stricter spend-based eligibility conditions
- Limited premium travel and lifestyle benefits
- Best value depends heavily on movies and ICICI offers
Who is this card for?
First-time credit card users or those transitioning from a basic card to one with lifestyle perks. Best for salaried individuals with monthly spends of ₹10,000–₹30,000.
Quick Links
Data last updated 18 Mar 2026