ICICI Bank Coral Credit Card
ICICI Bank
An affordable entry point with lounge access and everyday retail rewards.
₹500
Joining fee
₹500, waived at ₹1.5L spend
Annual fee
Waived if annual spend exceeds Rs 1,50,000 in the preceding year (Rs 500 fee).
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried min Rs 20,000/month or self-employed min Rs 2,40,000/year; Indian citizen
Lounge access
4 domestic / 4 railway visits per year
Stated as 1 domestic lounge visit/quarter; ₹75k prior-quarter spend required. Also includes 4 railway lounge visits/year, not counted in this column.
Key features
- 1 domestic lounge visit/quarter (₹75k prior-quarter spend) + 4 railway lounge visits/year
- 2 pts/₹100 retail, 1 pt/₹100 utilities/insurance
- BookMyShow/INOX offers
Reward details
2 points per Rs 100 retail spend
- 6X-12X points on Travel via iShop (aggregator-sourced)
- Rs 2,00,000 annual spend: 2,000 points
- each additional Rs 1,00,000: 1,000 points, capped at 10,000 points/year
Category caps
- Utilities/insurance: 1 point per Rs 100
Redemption
Health, beauty, travel, shopping vouchers, appliances, electronics, lifestyle products
- 1% fuel surcharge waiver at HPCL pumps (Rs 400-4,000 transactions); 25% off up to Rs 100 on BookMyShow/INOX movie tickets (min. 2 tickets, twice monthly, gated by Rs 25,000+ quarterly spend); Rs 2,00,000 personal accident insurance and 24/7 concierge services (RuPay variant only)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low entry-level fee, achievable reward milestones, useful dining/movie discounts — Paisabazaar
Complaints
- Low reward earning rate with correspondingly low redemption value; spend requirements gating lounge access restrict how accessible the benefit really is — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — rewards, sentiment