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ICICI Bank Coral Credit Card

2.6/5

Entry Level Paid Credit Cards

Card Issuer:

American Express

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Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

ICICI Bank's Coral Credit Card is an entry level credit card from ICICI Bank. This card offers popular lifestyle benefits such as discounts on movie tickets, railway lounge access and airport lounge access. While railway lounge access is completely free without any minimum spend condition, the free airport lounge access requires its customers to spend a minimum amount. The reward rate it offers on spend made using this card, is low. This card is eligible for getting instant discount on shopping whenever there is an ICICI instant discount offer. Such offers by ICICI Bank are very frequent. Let's understand the benefits of this credit card in detail.

Pros

Decent discount on movie tickets
Complimentary railway lounge access without any spend condition
Eligible for instant discount offers of ICICI Bank which are very frequent
iShop Portal can fetch you 3% valueback on some very useful vouchers like Amazon Pay. Amazon Pay vouchers can be used to make payment on hundreds of thirdparty sites, for utility bill payment and for shopping on Amazon.

Cons

Low reward rate considering is a paid credit card
A Reward Redemption Fee of Rs.117 (including GST) is applied when you redeem reward points. It's extremely regressive practice.
No benefit against joining and renewal fees
Free Airport lounge access requires a minimum spend in premium quarter.

Fees & Charges

Joining / Annual Fee ₹ 590

Renewal Fee ₹ 590

Annual Spend Target for Fee Waiver ₹ 150,000

Minimum Annual Income Required ₹ 300,000

Rewards and Benefits

Reward Rate

Base Reward Rate: 0.5% ; Flights and Brand Vouchers through iShop: 3%, Hotels through iShop: 6%; Reduced Reward Rate on Utilities, Insurance Premium and Government Payments: 0.25%,

Base Reward Rate

0.5%

Accelerated Reward Rate

Welcome Benefits

Rs 5000+ worth Gift Vouchers – Tata CLiQ (Rs 2000), Ease my Trip (Rs 1000 X 2), Uber (Rs 250), Central (Rs 500 X 2), Croma (Rs 1000)

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Regular Reward Rate: 2 Reward Points on every Spend of Rs.100 (=0.5% valueback)
Accelerated Reward Rate: On spend on iShop portal of ICICI Bank
- Hotel Booking: 24 Reward Points on every Spend of Rs.100 (=6% valueback)
- Flight and Bus Tickets : 12 Reward Points on every Spend of Rs.100 (=3% valueback)
- Brand Vouchers (including popular brands like Amazon, Flipkart Myntra, Swiggy, Zomato etc.): 12 Reward Points on every Spend of Rs.100 (=3% valueback)
Reduced Reward Rate: 1 Reward Points of every Rs.100 Spend on Utilities, Insurances and Government related spend (=0.25% Valueback)
Milestone Bonus: 2,000 Reward Points on spending Rs. 2 lakhs and 1,000 Reward Points for every subsequent spends of Rs. 1 lakh in an anniversary year. A maximum of 10,000 additional Reward Points can be earned in a year as a Milestone benefit.

Rewards Redemption

Reward points can be redeemed to get Products from ICICI Rewards Catalogue at 1 Reward Point = Rs.0.25

Reward Redemption Fee: For every reward redemption, there is a fee of Rs.117 including GST.

Additional Benefits

Domestic Airport Lounge

Railway Lounge Access

Movie Benefits

International Airport Lounge

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

Movie and Event Tickets: 25% discount up to Rs 100 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox.
Airport Lounge Access: 4 Domestic Airport Lounge Access for Primary card holder (1 per quarter). Free Airport lounge access only available on spending minimum Rs.75,000 in previous calendar quarter.
Railway Lounge Access: 4 Railway Lounge per year (1 per quarter)

Features & Benefits

Reward Points

Airport Lounge

Utility Bills

Insurance

Education

Gift Cards

Jewellery

Cashback

Airmiles

NPS

Government Payment

Fuel

Rent

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

No reward points on following spend categories

Fuel
e-Wallet Loading
Rent Payment

Other Exclusions

Spend done on EMI transactions is not considered for calculating total spend for Renewal Fee Waiver.
Transaction of Rent Payment, Government Payment, Education Payment, Credit Balance Refund, Joining Fee, Annual Fee, Late Payment Fee, Interest Charges, EMI's Principal amount, Dynamic Currency Conversion fee, Reward redemption handling fee, Reversal transaction, cancelled transaction, Equated Monthly Instalment (EMI) transaction, and other transactions of similar nature on Credit Card are not included in total spends calculation for Airport Lounge Access

Limited reward points on following spend categories

1 Reward Points on Every Rs.100 Spend on Insurance, Utilities and Government transactions which is o.25% reward rate
Reward Points on Utility Spend is only provided on spend of Rs.40,000 per month on utilities. Any spend on utilities above this in a month, does not accrue any reward points.
Reward Points on insurance payments is only provided on spend of Rs.40,000 per month on insurances. Any spend on insurances above this in a month, does not accrue any reward points.
Reward Points on Grocery and Departmental Stores Spend is only provided on spend of Rs.20,000 per month on Grocery and Departmental Stores. Any spend on Grocery and Departmental Stores above this in a month, does not accrue any reward points.

Charges on Specific Spend Categories

International Transaction in INR: 1.18% dynamic currency conversion fee will be applied on all the transactions conducted in Indian currency at international locations or transactions carried out in Indian currency with merchants located in India but registered in a foreign nation
Fuel Transactions above Rs.10,000 per transaction: A charge of 1.18% including GST
Utility Bills Transactions above Rs.50,000 per transaction: A charge of 1.18% including GST
Education Payment on Third Party Apps: 1.18% of Transaction Amount including GST
Rent Payment: 1.18% of Transaction Amount including GST
Railway Tickets: 2.12% of transaction value for Internet transactions and 2.95% for other bookings or Rs.11.8 whichever is higher (all values including GST).

Ratings & Reviews

2.6

Overall Rating

Reward Rate

2/5

Lifestyle Benefits

3/5

Ease of Reward Redemption

3/5

Value For Money

1/5

Customer Service

4/5

Detailed Review

ICICI Bank's Coral Credit Card is an entry level paid credit card with lifestyle benefits. Benefits like discount on movie tickets, free railway lounge access and ICICI Bank's instant discount offers are useful benefits of this credit card. However, very low reward rate, reward redemption fee and joining/renewal fee do not make this card an ideal choice for regular expenses. This card provides airport lounge access but requires relatively high minimum spend of Rs.75,000 in previous quarter. This makes this benefit unattractive.

Overall, there are much better options available in the market as compared to ICICI Bank's Coral Credit Card considering it's a paid credit card. However, many ICICI Bank's existing credit card customers and bank account holder easily get this credit card as Lifetime Free. As a lifetime free credit card, this card can be kept.

Eligibility & Important Info

Eligibility Criteria

Age: 21 years or more
Income:
- Salaries Customer: Rs.25,000 net in-hand monthly salary
- Self-Employed: Rs.3 Lacs per annum (as per Income Tax Return)
- The above criteria is basis users' experience and is not officially mentioned by the card issuer.

Important Links

ICICI Bank's iShop Portal to get Accelerated Reward Points: icicibank.com/ishoplogin
Domestic Airport Lounges List (accessible by simply swiping this credit card): Click here
Railway Lounges List: Click here
Master Card Priceless Special Portal to access special offers for Master Card variant of this credit card: Click here
American Express Experiences Portal to access special offers for American Express variant of this credit card: Click here

Add-on Cards

Upto 3 Add-on cards are provided at an annual fee of Rs.235 (including GST) per Add-on card

Classification

Card Issuer

ICICI Bank

Card Network

American Express Mastercard RuPay Visa

Card Purpose

Basic Card Movies Railway Lounge Access

Reward Type