Synopsis: The ICICI Coral Credit Card is an entry level credit card that features in offering everyday reward points on transactions that also include discounted movie tickets and airport lounge access. This article gives a brief overview of the credit card.
According to sources from September 2025, credit card spends have hit a record of Rs 2.2 trillion driven by festive demand on GST cuts. This simply indicates the demand for credit cards in today’s financial market. Today, the citizens would choose on saving maximum rewards with the best benefits, and the ICICI Coral credit card might just be your best option.
ICICI Coral Credit Card
About the card: the ICICI Coral credit card is a lifestyle oriented, entry-level based credit card that specializes in delivering practical value through maximum rewards, movie benefits and personalized dining experience with reward points and minimum fee structure. The credit card is best suited for first-time users and salaried professionals who seek value without high fees.
Fees and charges
- Joining fees: Rs 500 + GST
- Annual fees: Rs 500 + GST
- Annual fee waiver: Annual fee waived off on spending over Rs 1.5 lakhs in the previous year.
- Interest rate: 3.75% interest rate per month; 45% per annum.
- Forex mark-up rate: 3.5%
- Late payment charges: ranges from Rs 100 to Rs 1,300
- Best suited for: entry-level credit card users
Key features and benefits
- Complimentary lounge access: 1 domestic airport lounge access per quarter, subjected to spending Rs 75,000 in a yearly quarter and 4 railway lounge access per year.
- Fuel benefit: 1% fuel surcharge waiver of fuel spent at HCPL ranging from Rs 400 to Rs 4,000.
- Dining benefit: enjoy exclusive offers and discounts with the ICICI Bank Culinary Treat Program.
- Movie benefit: 25% off, up to Rs. 100 on min. booking of 2 tickets, each on INOX and BookMyShow, twice per month.
- RuPay variant benefit: personal insurance cover worth Rs 2 lakhs for the users with the ICICI RuPay credit card variant.
Reward structure
ICICI Coral credit card users can earn rewards on every Rs 100 spent on the following:
- 2 reward points on retail spends.
- 1 reward point on utilities and insurance.
Milestone benefit
- 2,000 reward points on spending Rs 2 lakhs in a year.
- 1,000 reward points on spending every additional Rs 1 lakh after reaching the Rs 2 lakhs annual spend milestone.
Which users are best suited for this credit card?
- If the user wants an entry-level credit card with low annual fees.
- If the user wants additional rewards on spends with decent lifestyle benefits.
- If the user can spend Rs 2 lakhs per annum to unlock bonus milestone rewards.
Also Read: Is HDFC Regalia Gold Credit Card Still the Best Premium Card in 2026? A Detailed Overview
Review
The ICICI Coral credit card is a contactless credit card that offers excellent benefits with low annual fees across different categories like dining, movie and airport lounges. The credit card offers rewards on retail spends and utility and insurance bills. However, the rewards are modest, making it less appealing for users who prioritise high cashback rewards or premium travel compared to other credit cards.
Final verdict
The ICICI Coral credit card is an excellent choice for a first-time user who seek importance and benefits in movie discounts, dining offers and occasional lounge access. The users might find the reward rates modest based on their cashback and travel perks compared to dedicated credit cards of the field.
Overall, the credit card is worth the consideration for first-time users who would also enjoy lifestyle perks but may offer limited cashback value for dedicated seekers or frequent travellers compared to most premium alternatives.
Written by Atin Kevin
