ICICI Coral Credit Card

The ICICI Coral Credit Card, issued by ICICI Bank, provides its clients with exceptional incentives and offers related to food, entertainment, and travel.

Coral credit cards are available in three varieties: Visa, Mastercard, and American Express, from which you can select one. With this card, you could earn up to 2 reward points for every Rs. 100 transaction, which are redeemable against a variety of categories and items. 

The Coral credit card also allows you to earn up to 10,000 additional Points every year through its milestone program.

ICICI Coral Credit Card.jpg

Image Source: ICICI Official website

Key Highlights

Suitability

Rewards and Cashback

Joining Fee

Rs. 500

ICICI Coral Credit Card Features

Every anniversary year, 10,000 reward points are awarded; 2 reward points will be awarded for every Rs. 100 spent (excluding fuel)

ICICI Coral Credit Card Benefits and Features

Some of the features of this credit card are as follows:

  • Every eligible transaction earns you reward points. For example, you can get two reward points for every Rs. 100 spent on goods and services and one reward point for every Rs. 100 spent on utilities and insurance.
  • This Credit Card provides exceptional dining offers through the ICICI Bank Culinary Treats Programme.
  • With this card, you can get a 25% discount on the BookMyShow application and Inox up to Rs.100 when you buy at least two movie tickets in one transaction. The promotion is available twice a month.
  • This card entitles you to a 1% fuel surcharge waiver, valid exclusively at Hindustan Petroleum Corporation Limited pumps. 
  • In terms of travel advantages, ICICI coral credit card lounge access will be limited to domestic airport and railway lounges in India, with one complimentary visit every quarter. This is subject to spending a minimum of Rs 5,000 or more in a calendar quarter to qualify for the benefit in the following calendar quarter. 
  • Spending Rs. 2 lakhs with the card earns you 2,000 reward points, and spending Rs. 1 lakh earns you an additional 1,000 reward points.
  • If you spend more than Rs. 1.5 lakh with your Coral credit card, the Rs. 500 annual costs will be waived.
  • The credit card has an implanted microchip as well as a PIN (Personal Identification Number). This ensures that the credit card data cannot be duplicated or used fraudulently.

ICICI Coral Credit Card Charges and Fees

ICICI Coral credit card annual fee and other charges are as follows:

Joining Fee

Rs. 500

Annual Charges

Rs. 500

Interest Rate/Finance Charges

3.40% per month | 40.80% p.a.

Late Payment Charges

  • Nil for amounts less than Rs. 100.
  • Between 100 and 500 rupees: Rs. 100.
  • Rs. 500 for amounts ranging from Rs. 501 to Rs. 5,000.
  • Rs. 750 for amounts ranging from Rs. 5,001 to Rs. 10,000.
  • Rs. 900 for amounts ranging from Rs. 10,000 to Rs. 25,000.
  • Rs. 1,000 for amounts ranging from Rs. 25,001 to Rs. 50,000.
  • Rs. 1,200 for amounts greater than Rs. 50,000.

Eligibility for the ICICI Bank Coral Credit Card

Age Criteria

23 Years

Income

Rs. 5 lakh p.a

Documents Required to Apply

When applying for the ICICI Bank Coral Credit Card, the following documents must be submitted/uploaded:

  • Proof of address (Aadhar Card, Driving Licence, Passport, or utility bills) is required.
  • You must present salary stubs or the most recent ITR as proof of income.
  • You could submit any of the following as identification: Voter ID, Aadhar Card, PAN Card, Passport, and so on.
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How to Apply for the ICICI Coral Credit Card?

The following are the processes to apply for an ICICI Bank Coral Credit Card:

Step 1: Go to ICICI Bank's official website.

Step 2: On the homepage, click the 'Cards' tab.

Step 3: Select the 'Credit Cards' tab.

Step 4: Select the ICICI Bank Coral Credit Card from the list of available cards.

Step 5: Select the 'Apply Now' button.

Step 6: Fill out the application form with your information.

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