ICICI BankICICI Bank Coral Credit Card
The ICICI Bank Coral Credit Card is an entry-level card that bundles reward points, 1 complimentary domestic lounge visit per quarter (subject to spend criteria), and movie ticket discounts.
Top Category Performance
RuPay UPI Scan & Pay (96/100)
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
0.5 – 2
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
22/25
Lounge & Perks
11/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
ICICI Bank Coral Credit Card Benefits
ICICI Bank Coral Credit Card 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
ICICI Bank Coral Credit Card 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.
ICICI Bank Coral Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
ICICI Bank Coral Credit Card 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 25 Aug 2026
Top Alternatives in this Category
Highly rated alternatives evaluated by our deterministic scoring engine
Popular Comparisons for ICICI Bank Coral Credit Card
Direct side-by-side MITC term matchups
ICICI Bank Coral Credit Card vs ACE Credit Card
Axis Bank · ₹499
ICICI Bank Coral Credit Card vs Airtel Axis Bank Credit Card
Axis Bank · ₹500
ICICI Bank Coral Credit Card vs American Express SmartEarn Credit Card
American Express · ₹495
ICICI Bank Coral Credit Card vs AU Altura Plus Credit Card
AU Small Finance Bank · ₹499
ICICI Bank Coral Credit Card vs AU ixigo Credit Card
AU Small Finance Bank · Free
ICICI Bank Coral Credit Card vs AU KOSMO Credit Card
AU Small Finance Bank · Free
More from ICICI Bank
Calculate your exact earnings with ICICI Bank Coral Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.