ICICI Bank Coral Credit Card

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Key Highlights of the ICICI Bank Coral Credit Card

Here is a glimpse of the credit card details:

Joining Fee	₹500
Annual Fee	₹500 (Second year onwards) (Waived off if you spend over ₹1.5 Lakhs in the preceding year)
Suitable for	Lifestyle shopping
Key Feature	Get 25% discount on movie tickets per month (Max ₹100)
Milestone Benefit	Get 2,000 points on spending ₹2 Lakhs

Features and Benefits of the ICICI Bank Coral Credit Card

If you are starting out on your journey with credit cards, this card from ICICI Bank allows you to accumulate rewards on daily purchases. It also offers perks that help you upgrade your lifestyle.

Rewards Per Spend

Get 2 reward points on every ₹100 you spend in eligible categories

Special Category Perks

Get 1 reward point on every ₹100 you spend on utility bills and insurance

Milestone Benefit

Earn 2,000 points on spending ₹2 Lakhs and 1,000 points every time you cross ₹1 Lakh on subsequent purchases in an anniversary year

Entertainment Offers

Get a 25% discount of up to ₹100 twice a month on buying movie tickets via BookMyShow or Inox

MasterCard Perks

Enjoy access to airport and railway lounges and get culinary, travel, and other benefits with ‘Mastercard Moments’

VISA Value-adds

Get offers from luxury hotels, spas, and more as a VISA cardholder and get complimentary access to domestic airport/railway lounges

Surcharge Waiver

Enjoy a 1% waiver on fuel surcharge on bills up to ₹4,000 at HPCL pumps

iMobile Pay App

Convert bills into EMI and monitor all your credit card usage on the go with ICICI Bank’s mobile banking app

Scan to Pay

Make instant payments by scanning QR codes when you link the iMobile Pay App on your phone to a UPI app

Easy Access to Funds

Enjoy instant access to cash from over 17,000 ATMs in India with this ICICI Bank Credit Card

Bill Payment Made Simple

Enable the auto-pay feature and make your monthly credit card bill payments hassle-free

ICICI Bank Coral Credit Card’s Rewards Program

The ICICI Bank Rewards program is one of India’s largest loyalty ecosystems. You can redeem points for electronics, travel vouchers, jewellery, and more

Here is how the rewards program works for the ICICI Bank Coral Credit Card:

A. Reward Points

You get 2 reward points on every ₹100 spent in categories other than fuel

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Value in ₹
Grocery Shopping	₹2,000	40	₹10
OTT Subscriptions	₹4,000	80	₹20

Disclaimer: The above example is for illustration purposes only.

You get 1 reward point on every ₹100 on utility and insurance payments

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Value in ₹
Electricity Bill	₹1,500	15	₹3.75
Insurance Premium	₹3,000	30	₹7.5
1% Fuel Surcharge	₹2,000	-	₹20

Disclaimer: The above example is for illustration purposes only.

You can also receive up to 10,000 milestone rewards per year, distributed as follows:

Spend Threshold (₹)	Reward Points
2 Lakhs	2,000
1 Lakh	1,000
1 Lakh	1,000
1 Lakh	1,000
1 Lakh	1,000
1 Lakh	1,000
1 Lakh	1,000
1 Lakh	1,000
1 Lakh	1,000
TOTAL	10,000

B. Redemption Process

To redeem points, you can log in to your credit card account through net banking or the iMobile app.

Choose from various brands across gadgets, memberships, hotels, travel, and more. A redemption handling fee of ₹99 is applicable.

C. Expiration

All the reward points collected are valid for 36 months from the date of issuance. Each reward point is valued at ₹0.25.

D: Example of Savings

Using the above examples, here is a look at what your annual expenses and savings will look like:

Category	Details	Conversion	Cash Value (₹)
Grocery Shopping	Accelerated Category Spends (2X) Assuming spends 24,000 pa/ 2,000 pm	Reward Points = 480 2X(24,000/100)	120
Subscriptions	Accelerated Category Spends (2X) Assuming spends 48,000 pa/ 4,000 pm	Reward Points = 960 2X(48,000/100)	240
Electricity Bill	Special Category Spends Assuming spends 18,000 pa/ 1,500 pm	Reward Points = 180 (18,000/100)	45
Insurance Premium	Special Category Spends Assuming spends 36,000 pa/ 3,000 pm	Reward Points = 360 (36,000/100)	90
Fuel Surcharge Waiver	1% x 2,000	1% x 2,000 x 12	240
Total Annual Savings		1,980	735

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer. Please check with the card issuer before applying.

This example demonstrates that you can get annual savings of around ₹735 on earning 1,980 reward points a year. With a yearly spending of ₹3.60 Lakhs, you could save up to ₹11,175 with this card.

Fees and Charges Associated with the ICICI Bank Coral Credit Card

These are the fees and charges you are likely to incur when using this card:

Fee Type	Details
Joining Fee	₹500
Annual Fee	₹500 from second year onwards (Zero if you spend ₹1.5 Lakhs or more in the preceding year)
Reward Redemption Fee	₹99
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher
Interest Charges	3.40% per month
Minimum Amount Due	5% of the outstanding amount
Late Payment Fee	Can go up to ₹1,200 depending on the outstanding balance
Foreign Transaction Fee	3.50% of the transaction amount

Note: A Goods & Services Tax (GST) of 18% is applicable on all the charges mentioned above.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

ICICI Bank Coral Credit Card Eligibility

View the ICICI Bank Coral Credit Card eligibility criteria to know if you qualify. To apply, you must be:

An Indian citizen
A salaried individual aged between 21 and 58 years old
A self-employed individual aged between 21 and 65 years old
Earning ₹2.4 Lakhs annually if you have a salary account with ICICI Bank or ₹3.6 Lakhs if not
Earning ₹3.6 Lakhs annually if you are self-employed and hold an ICICI Bank Savings Account or ₹4.8 Lakhs if not

Documents Required

Here is a list of general documents you can prepare to facilitate a smooth application process:

Proof of Identity
1. Aadhaar card
2. PAN card
3. Driving Licence
4. Voter’s ID
Proof of Address
1. Ration card
2. Passport
3. Utility bills (not older than 3 months)
Proof of Income
1. Form 16 or audited financials for the last 2 years (if self-employed)
2. Salary slips (past 3 months)
3. Bank statements (last 6 months)

How to Apply for the ICICI Bank Coral Credit Card

To get the ICICI Bank Coral Credit Card, apply online at Bajaj Markets. Read through the steps given below to know how to apply:

Click on ‘Check Eligibility’ and fill in the required details, including your professional, mobile number, and date of birth
Fill the One-Time Password (OTP) received on your number
Check the pre-filled details like your PAN, residential PIN code, email ID, and income information
Apply for the card that meets your needs from the available options
Click ‘Submit’ and complete your application

Customer Care

In case of any queries, reach out to ICICI Bank's customer care team via phone or email:

Call the 24/7 helpline at 1800 1080 (toll-free)
Email customer.care@icicibank.com

ICICI Bank Coral Credit Card vs Others

Before deciding on the ICICI Bank Coral Credit Card, take a look at other offerings from ICICI Bank:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
ICICI Bank Coral Credit Card	❌	✅	✅	❌
ICICI Expressions Credit Card	❌	❌	✅	❌
ICICI Bank HPCL Super Saver Credit Card	✅	✅	✅	❌
ICICI MMT Platinum Credit Card	❌	❌	✅	❌
ICICI MMT Signature Credit Card	✅	❌	✅	❌
ICICI Bank Manchester United Platinum Credit Card	❌	✅	✅	❌
ICICI Bank Manchester United Signature Credit Card	❌	✅	✅	❌
ICICI Platinum Chip Credit Card	❌	❌	✅	❌

Disclaimer: The benefits mentioned are subject to change as per the policies of ICICI Bank. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

How can I redeem the reward points earned on my ICICI Bank Coral Credit Card?

You can redeem your reward points by logging in to your net banking account or through the iMobile Pay app.

Who is the ICICI Bank Coral Credit Card most suitable for?

The ICICI Bank Coral Credit Card offers vouchers, movie perks, and steady rewards for every use. This option could be suitable for first-time credit card users with an annual income of around ₹5 Lakhs.

What will be the maximum limit I can get on an ICICI Bank Coral Credit Card?

The credit limit differs from person to person. This is decided by the issuer based on its policies and your credit profile, income, and other factors.

Can two people use the same ICICI Bank Coral Credit Card for lounge access?

No, only the primary cardholder can access the lounge free of cost using the card.

What is the interest-free period on my ICICI Bank Coral Credit Card?

The grace period ranges from 18 to 48 days for all ICICI Bank credit cards.

How can I track the application status of my ICICI Bank Coral Credit Card?

All you need to do is contact ICICI Bank’s 24/7 helpline and state your application number. The executives will be able to tell you the progress of your application.

What happens if I exceed the credit limit on my ICICI Bank Coral Credit Card?

When you cross your approved credit limit, ICICI Bank will take a call on whether to approve the transaction or not. If approved, you will incur an over-limit charge of 2.5% on the amount exceeding the credit limit, or ₹500, whichever is higher. This facility helps you get access to funds in emergencies.