ICICI 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.
RuPay UPI Scan & Pay Fit Score
96/100
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
0.5 – 2
2 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
ICICI Bank Coral Credit Card 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
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
Calculate your exact earnings with ICICI Bank Coral Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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