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The ICICI Coral credit card is a rewards card designed to offer exclusive lifestyle benefits and offers. In addition to earning reward points on all online and offline transactions, you also get bonus points on achieving milestone spends. 


With the ICICI Coral credit card, you can earn up to 10,000 reward points in a year. Once you’ve accumulated enough points, you can choose to redeem them against your outstanding credit card balance or use them to purchase gifts and other products from the rewards catalogue. 


Some of the other ICICI Coral credit card benefits include discounts on movie tickets and dining bills, a fuel surcharge waiver and complimentary lounge access, among others.  

Key Highlights of the ICICI Coral Credit Card

Here are some of the most striking ICICI Coral Credit Card benefits:

  • The card comes with an annual fee of ₹500

  • You get the exciting offer ‘Buy 1 and Get 1 Free’ at INOX Cinema

  • Get up to 15% discount on dining at selected restaurants

  • Get 2 PAYBACK points for every spend of ₹100

  • Complimentary visit to Airport and Railway lounges

  • Get complimentary BookMyShow tickets every month

  • At HPCL petrol stations, enjoy 1% surcharge waiver

Features & Benefits of ICICI Coral Credit Card

For a nominal ICICI Coral credit card annual fee of just ₹500 plus GST, you get to enjoy a plethora of exciting features and benefits. Here’s a quick look at a few of the key benefits of this card.

Reward Points

When you use the ICICI Coral credit card to make payments, you earn 2 reward points for every ₹100 spent online or offline (except on fuel transactions). For transactions falling under the utilities and insurance segments, you earn 1 reward point for every ₹100 spent online or offline. 

Milestone Benefit

You get 2,000 additional bonus reward points when you spend ₹2 Lakhs in a year. Furthermore, for every additional ₹1 Lakh you spend, you get 1,000 bonus reward points (subject to a maximum of 10,000 reward points per year). 

Annual Fee Waiver

The annual fee for a year will be waived if you collectively spend at least ₹1.5 Lakhs during the previous year. 

Lounge Access

With the ICICI Coral credit card, you get access to domestic railway lounges once per quarter. If you spend at least ₹5,000 during a quarter, you also get a complimentary domestic airport lounge visit for the next quarter. 

Dining Offers

Under the ICICI Bank Culinary Treats program, you get a discount of 15% on your dining bill at participating restaurants when you use the card to make payment. 

Fuel Surcharge Waiver

When you pay for fuel using the card at an HPCL outlet, you automatically get a 1% fuel surcharge waiver. However, this benefit is only applicable for fuel transactions of up to ₹4,000. 

Safe and Secure Transactions

The ICICI Coral credit card comes with a microchip for added safety when making payments offline. Additionally, in the case of online purchases, the 3D Secure feature of the card keeps you protected from unauthorised transactions.

Eligibility Criteria & Documents Required for ICICI Coral Credit Card

1. ICICI Coral Credit Card Eligibility Criteria:

One must fulfil certain criteria to be eligible for the ICICI coral card. These parameters include your: age, occupation, location and income. The ICICI Coral Credit Card eligibility is as follows:

  • Minimum Age - 23 years

  • Minimum Annual Salary - ₹5 Lakhs or above

2. Documents Required for ICICI Coral Credit Card:

  • Identity proof: Aadhar card, PAN card, voter id card, passport etc.

  • Address proof: Voter id card, Aadhar card, electricity bills, etc.

  • Income proof: Bank statements of the past 3 months, salary slips of the last 3 months, ITR proof for self-employed, etc.

How to Use ICICI Coral Credit Card Reward Points

You can redeem your ICICI Coral credit card reward points in the following ways:

1. Offline Shopping:

PAYBACK collaborates with offline stores where you can swipe this card and redeem your points. These include

  • Central

  • Big Bazaar

  • Pantaloons, etc.

2. Online Shopping:

You can also redeem your PAYBACK points by choosing the ICICI Coral credit card from its partner websites like,

  • Make My Trip

  • Future

  • Book My, etc.

3. Convert to Cash:

You can convert PAYBACK points to cash also. Each PAYBACK point is equivalent to ₹0.25. The cash will be credited to your bank account within seven business days.

4. Gift:

When you choose to buy products from the ICICI Bank website if you wish to redeem your reward points.

How to Redeem ICICI Coral Credit Card Reward Points

Redeeming the reward points accrued on your ICICI Coral credit card is simple. All you need to do is follow the steps outlined below. 

  • Step 1: Log into your ICICI Coral credit card account. 

  • Step 2: Navigate to the reward points section. 

  • Step 3: Proceed to redeem the reward points. You might be redirected to a rewards catalogue where you can select the product you wish to purchase using your points. 


That’s it. The product that you ordered will be delivered to your registered address within a few days. 


Alternatively, you can also redeem your accrued reward points by calling the ICICI Bank credit card helpline number. Simply follow the IVRS instructions to place a reward point redemption request. 

Savings on ICICI Coral Credit Card

The following table shows how much you can save on an annual spend of ₹3,60,000 using an ICICI Coral credit card:

Annual Card Transactions of ₹3,60,000

Savings Earned

24 free movie tickets

₹ 2,400

15% discounts on dining through ‘Culinary Treats’

₹ 3,600

Rewards on transactions worth ₹3,00,000 per year

 ₹ 1,425

Rewards on achieving credit card Milestones

₹ 750

Complimentary Airport Lounge access

₹ 4,000

1% waiver on fuel surcharge

₹ 600

Complimentary access to Railway Lounge

₹ 2,000

Estimated savings

₹ 11,175

How to Apply for an ICICI Coral Credit Card

Follow these quick steps to apply for the ICICI Coral credit card.

  • Visit the ICICI website and click on ‘Products’. Select ‘Card’ and then ‘Credit Card’ from the drop-down menu. 

  • Select your income as ‘greater than ₹5 Lakhs’.

  • Click on the ‘Apply Now’ button along with the ICICI Coral credit card image.

  • Fill out the application form and submit it when you are done.

  • You can check your application status online or by contacting bank authorities on the toll-free number.

  • You can also apply for the same by visiting your nearest bank branch and filling out the form.

ICICI Coral Credit Card Customer Care Number

For all queries related to your ICICI Coral Credit card, you can reach the ICICI Bank credit card customer care: 

  • Email:

  • Phone: 1860 120 7777

  • Local call: 33667777 (prefix local area code)

FAQs on ICICI Coral Credit Card

ICICI Coral credit card is one of the most sought-after credit cards that ICICI bank offers. Enjoy discounts and offers ranging from cashback, lounge access, discounts on travel, gift vouchers, etc.

If you want to apply for a Coral credit card, then you need to pay ₹500 as a joining fee. You also have to pay ₹500 as annual charge.

You should apply for the ICICI coral credit card because of its low PAYBACK percentage. This credit card is also beneficial for its different shopping deals and rewards. 


You can get a number of advantages with the Coral credit card for a small fee. Your daily requirements are met with savings on dining and specials while shopping for groceries, gadgets, etc.

The joining fee for the ICICI Coral credit card is ₹500.

You simply have to make the payment with ICICI Coral credit card to avail of discounts at restaurants.

The ICICI Coral credit card charges include a ₹500 joining fee and an annual fee each. Moreover, the bank has a monthly finance fee of 3.5% or 42% annually on availing card services. The cash advance interest rate is the same. They also charge a redemption fee of ₹99.

If you pay more than the current outstanding balance on your ICICI Coral credit card, the excess amount will automatically be adjusted against future purchases that you make using the card.

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