ICICI Coral Credit Card Review

Rewards card with lounge access

The ICICI Coral has a ₹500 annual fee + GST, waived on ₹1,50,000 annual spend. It earns 0.5% back on regular spends, with 4 domestic airport lounge visits a year. Best for: first-time cardholders wanting low-fee dining and lounge perks — our verdict: consider.

Vyaya Team · Jun 2026

5 min read

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Value Score

7.0 / 10

Annual Fee

₹500

Best For

Entry-Level Cardholder, Dining Enthusiast

Network

Visa

Expert Verdict

ICICI Coral is a classic entry-level rewards card with a low Rs 500 fee, accessible eligibility and decent dining and lounge perks. The 0.5% effective base rate and spend-gated lounge visits mean returns are modest, so it suits beginners more than reward optimisers.

ICICI BANKVisa

ICICI Coral

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REWARD SUMMARY

0.5% Base Rewards
Rewards card with lounge access

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The Bottom Line

The ICICI Coral is built for entry-level cardholder and dining enthusiast. With a ₹500 annual fee that is waived on ₹1,50,000 yearly spend, it offers airport lounge access and 0.5% base rewards. It makes the most sense if your spending matches entry-level cardholder and dining enthusiast.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Entry-Level Cardholder, Dining Enthusiast. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.

What we like

+Low Rs 500 joining and Rs 500 annual fee, with the annual fee waived on spends over Rs 1,50,000 in the preceding year

+Milestone rewards: 2,000 points at Rs 2,00,000 spend plus 1,000 points per additional Rs 1,00,000, up to 10,000 points a year

+4 complimentary domestic airport lounge visits per year (1 per quarter, unlocked by Rs 75,000 prior-quarter spend) plus up to 4 railway lounge visits

+Culinary Treats programme gives a minimum 15% saving at 2,500+ partner restaurants

+No stated minimum income requirement, making it accessible to first-time cardholders

What we don't

–Reward points are worth only Rs 0.25, so the 2 points per Rs 100 base is roughly 0.5% effective value

–Utility and insurance spends earn a reduced 1 point per Rs 100, and fuel earns nothing

–Lounge access is gated behind a Rs 75,000 quarterly spend rather than complimentary outright

–High 3.5% foreign currency markup limits usefulness abroad

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Entry-Level Cardholder

Newcomers wanting a low-fee, no-minimum-income card with occasional lounge and dining perks

Dining Enthusiast

Frequent restaurant-goers who can leverage the 15%+ Culinary Treats discounts at 2,500+ outlets

Probably not for

Skip

–

Rewards Maximiser

Spenders chasing high returns, since the 0.5% effective base rate is well below premium rewards cards

–

International Spender

Travellers abroad, given the 3.5% forex markup and no international lounge access

Is It Worth It For You?

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Reward Rates

ICICI Coral offers 0.5% basic reward rate.

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Where

Amount

₹

Flat 0.5% on all spends

Welcome Offer

Welcome Benefit

Milestone Benefits

Spend ₹2,00,000

2,000 Reward Points on spends of ₹2,00,000 in an anniversary year.

Spend ₹1,00,000

1,000 Reward Points for every additional ₹1,00,000 spent beyond ₹2,00,000 in an anniversary year, up to a maximum of 10,000 Reward Points per anniversary year.

Spend ₹1,50,000

Annual fee waived for the next year on spends exceeding ₹1,50,000 in the preceding year.

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverSpend > ₹1,50,000

Eligibility

Min Income: ₹2.4 Lakhs
Min Credit Score: 700
Age 21-65; min monthly income Rs 20K salaried or Rs 2.4L p.a. self-employed; available on Visa, Mastercard, RuPay; pre-approved LTF for ICICI account holders.

Exclusions & Terms

Forex markup

Foreign currency markup

Frequently Asked Questions

7 data-backed answers from our card database

What is the annual fee of the ICICI Coral credit card?+

The ICICI Coral has a ₹500 annual fee + GST, waived on ₹1,50,000 annual spend.

What rewards does the ICICI Coral credit card give?+

It earns 2 Reward Points per ₹100 spent (about 0.5% back).

Does the ICICI Coral credit card offer airport lounge access?+

Yes — 4 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the ICICI Coral credit card?+

Minimum annual income of about ₹2.4 lakh and a credit score of 700+. Age 21-65; min monthly income Rs 20K salaried or Rs 2.4L p.a. self-employed; available on Visa, Mastercard, RuPay; pre-approved LTF for ICICI account holders.

What is the forex markup on the ICICI Coral?+

3.5% + GST on international transactions.

How can I get the ICICI Coral annual fee waived?+

Spend ₹1,50,000 or more in a card year and the ₹500 renewal fee is waived.

Is the ICICI Coral credit card worth it?+

Ready to apply?

₹500 annual fee. Apply on the ICICI Bank website.

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