ICICI Bank Coral Credit Card
Extra Rewards. Everyday. Everywhere.
Annual Fee
₹500
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The ICICI Bank Coral Credit Card is a solid entry-level lifestyle card, particularly strong for movie and railway benefits. However, the recent hike in lounge access spend criteria to ₹75,000 per quarter has significantly reduced its value for casual travelers.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹2,500
Year 2+
+₹2,500
Fee waiver eligible!
Why get this card
25% discount on movie tickets up to ₹100 twice a month on both BookMyShow and INOX
Complimentary domestic railway lounge access (1 per quarter)
Low annual fee waiver threshold of ₹1.5 Lakhs
RuPay variant allows UPI linking for seamless payments
Watch out for
High spend requirement of ₹75,000 per quarter to unlock domestic airport lounge access
Low base reward rate of 0.5% (2 RP per ₹100)
Redemption handling fee of ₹99 + GST applies to all reward redemptions
Who is this card for?
Best for
movie goers
Users who frequently book movie tickets on BookMyShow or INOX can save up to ₹4,800 annually.
Min: ₹15,000/mo
railway travelers
Frequent train travelers who can benefit from the complimentary railway lounge access.
Min: ₹10,000/mo
Skip if you're
high reward seekers
The base reward rate is quite low compared to other entry-level cards like HDFC Millennia or SBI SimplyCLICK.
Base Earning
2 ICICI Bank Reward Points
per ₹100 spent
0.5%
effective rate
Point value: ₹0.25/point
Bonus Categories
iShop - SHOPPING
6×
3% return
Milestones
Spend ₹1.0L
Earn 1,000 Reward Points for every additional ₹1 Lakh spent after the first ₹2 Lakhs (Max 10,000 points per year).
Spend ₹2.0L
Earn 2,000 Reward Points on reaching ₹2 Lakhs annual spend.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank