ICICI Bank Coral Credit Card against FD Review 2026: Fees & Rewards
Get the ICICI Bank Coral Credit Card against Fixed Deposit with no income proof. Learn about fees, 90% credit limit, lounge access, and reward points.
The ICICI Bank Coral Credit Card against FD is a solid entry-point for those looking to enter the credit ecosystem. It balances secured card accessibility with lifestyle perks like lounge access and movie discounts, though the recent increase in lounge spend criteria makes it less attractive for low spenders.
Build your credit score while enjoying lifestyle rewards.
The Bottom Line
The ICICI Bank Coral Credit Card against Fixed Deposit is the ICICI Bank Coral Credit Card against FD is a solid entry-point for those looking to enter the credit ecosystem. It balances secured card accessibility with lifestyle perks like lounge access and movie discounts, though the recent increase in lounge spend criteria makes it less attractive for low spenders. With a ₹500 annual fee that is waived on ₹1,50,000 yearly spend, it offers 0% rewards on dining and 1 complimentary domestic airport lounge access per. For anyone researching icici bank coral credit card against fixed deposit, the verdict is simple: recommended.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with credit-builder, student-or-homemaker. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealIdeal for individuals with no credit history or low scores to build a credit profile using an FD.
Accessible without formal income documents, providing financial independence.
Probably not for
SkipThe reward rate and benefits are capped; premium unsecured cards offer better value for high spends.
Is It Worth It For You?
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Reward Rates
ICICI Bank Coral Credit Card against Fixed Deposit offers 0.5% basic reward rate.
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Milestone Benefits
For every ₹1 lakh spent after the initial ₹2 lakh, up to 10,000 points annually.
Bonus Points
Fees & Charges
Eligibility
- 0
- Issued against a Fixed Deposit of minimum ₹50,000 with a minimum tenure of 180 days. No income proof required.
Exclusions & Terms
Fuel
Cash withdrawals
Frequently Asked Questions
3 data-backed answers from our card database