ICICI Bank Coral Credit Card
Everyday rewards card with airport & railway lounge access plus milestone bonuses.
Overview
The ICICI Bank Coral Credit Card is a mid-tier lifestyle and rewards credit card offering reward points on regular spends, complimentary railway lounge access, milestone bonuses, and movie ticket discounts. The RuPay variant additionally offers personal accident insurance coverage. The card carries a nominal annual fee, which can be waived on achieving annual spend milestones.
Features & Benefits
Joining & Renewal Benefits
Bonus reward points or promotional offers may be available during campaign periods, subject to ICICI Bank terms.
Annual fee waived if yearly spend exceeds ₹1,50,000 in the previous year.
Cashback & Rewards
- • 2 Reward Points per ₹100 on regular retail spends (excluding fuel)
- • 1 Reward Point per ₹100 on utility & insurance payments
- • Spend ₹2,00,000 in anniversary year and get 2,000 bonus points
- • 1,000 bonus points for every additional ₹1,00,000 spent (max 10,000 per year)
Reward points can be redeemed via the ICICI Rewards Catalogue for shopping vouchers, electronics, travel bookings, and lifestyle products as per ICICI Bank redemption terms.
Lifestyle Benefits
- • 1 complimentary domestic airport lounge access per calendar quarter (₹75,000 spend unlock in previous quarter)
- • 4 complimentary railway lounge visits per year
- • 25% movie ticket discount up to ₹100 on BookMyShow & INOX (twice per month)
- • ₹2 Lakh personal accident insurance cover on RuPay variant
1% fuel surcharge waiver at HPCL pumps for transactions between ₹400–₹4,000 as per ICICI Bank terms.
3.5% forex markup fee on international transactions.
Fees & Charges
- • 4 free railway lounge visits
- • Airport lounge access with spend unlock
- • Milestone bonus rewards
- • Affordable annual fee
- • RuPay insurance coverage
- • Airport lounge requires ₹75,000 quarterly spend
- • Reward redemption value varies
- • 2026 wallet & gaming fees added
- • Forex markup is high
- • Wallet loads
- • Rent & government transactions
- • Cashback/reward caps apply on select categories
Available as per bank policy.
- • Indian resident
- • Age 21–65 years
- • Salaried: Minimum ₹20,000 monthly income
- • Self-Employed: Minimum ₹2,40,000 annual income
Effective Jan 15, 2026: 1% fee on loading ₹5,000+ into third-party wallets and 2% fee on online gaming transactions. Effective Feb 1, 2026: Reward earning capped at ₹10,000 per month on transportation spends and 1% fee on transport spends exceeding ₹50,000.