Core Rewards :
  • 2% RP Earn 2 Reward points every Rs. 100 spent.
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : Spend 200,000, get 2,000 reward points. Further 100,000 spends earn 1,000 points, capped at 10,000.
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
  • Redeem Reward points for Vouchers
Redemption options : Gift Vouchers
Redemption fee : Rs. 99 + GST
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : 1 per Quarter
  • International Lounge : N/A
  • Railway Lounge : 1 per Quarter
Insurance Benefits :
  • Lost card liability : Upto Credit Limit
  • Personal accidental insurance : N/A
  • Air accidental insurance : N/A
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : N/A
  • Games : N/A
Joining fees : 500
Annual fees : 500
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.5%
Fee reversal criteria : Spend 1,50,000 in a year
Minimum age : 21
Minimum ITR : 3,60,000
Minimum Salary : 25,000

ICICI Coral Credit Card Welcome Benefits

  • Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your ICICI Coral Credit Card.
  • Explore premium choices in travel, clothing, footwear, and shopping.
  • Your gateway to luxury and rewards begins with this exclusive welcome offer.

ICICI Coral Credit Card Reward Points/Cashback

The ICICI Coral Credit Card offers:

  • Movie and dining benefits with free movie tickets and dining discounts.
  • Reward rate of 2.5% on groceries, dining, movies, and department store spending.
  • Redemption options for gift vouchers or statement balance.
  • Complimentary travel memberships and airport lounge access.
  • Golf privileges and insurance coverage.
  • Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
  • Milestone rewards on annual spending.
  • No rewards on wallet transactions.

ICICI Coral Credit Card Reward Point Redemption

You can easily redeem your reward points with the ICICI Coral Credit Card:

  • Redemption Options: You can use your reward points for gift vouchers and statement cash.
  • Redemption Fee: There is no fee for redeeming your points.
  • Transfer Partners: The card does not offer any transfer partners.
  • Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

Pros of ICICI Coral Credit Card

  • Attractive welcome benefits worth Rs. 5,000.
  • Access to domestic and international airport lounges.
  • Competitive reward rates on dining, groceries, and department store expenses.
  • Lucrative milestone rewards for high spenders.
  • Enjoy two complimentary movie tickets each month.

Cons of ICICI Coral Credit Card

  • No Fuel Rewards: The card does not provide rewards for fuel spending.
  • No International Lounge Access: Lacks access to international airport lounges.
  • Limited Insurance Benefits: May not offer extensive insurance coverage.
  • Redemption Fee: A fee is charged for reward point redemptions.
  • No Golf Benefits: No specific golf-related perks.
  • No Transfer Partners: Limited flexibility for reward point redemption.

ICICI Coral Credit Card Benefits

  • Lounge Access: Complimentary domestic and railway lounge visits.
  • Insurance Benefits: Protection against lost card up to the credit limit.
  • Milestone Benefit: Earn bonus Reward Points for meeting annual spending milestones.
  • Travel Benefits: Airport lounge access and railway lounge visits.
  • Dining Benefits: Discounts at over 2,500 premium restaurants.
  • Entertainment Benefits: Movie ticket discounts.
  • Fee Waiver: Renewal fee waived for high spending.
  • Fuel Surcharge Waiver: 1% waiver at HPCL petrol stations.

ICICI Coral Credit Card Charges and Fee

  • Joining Fees: Rs. 500
  • Annual Fees: Rs. 500
  • Interest Rate: 3.40% per month (40.80% p.a.)
  • Late Payment Charges: Vary based on the outstanding balance.
  • Spend-Based Fee Waiver: Spend over Rs. 1,50,000 annually to waive the fees.
  • Rewards Redemption Fee: Rs. 99 per redemption request.
  • Foreign Currency Markup: 3.5%
  • Fuel Surcharge Waiver: 1% at HPCL petrol stations for transactions up to Rs. 4,000.
  • Cash Advance Charges: 2.5% of the transaction amount or a minimum fee of Rs. 300
  • Add-on Card Fee: Nil

Frequently Asked Questions

  • Q: How can I apply for the ICICI Coral Credit Card?
    A: You can apply for the ICICI Coral Credit Card online through the ICICI Bank website or by visiting an ICICI Bank branch.
  • Q: What is the eligibility criteria for this card?
    A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with ICICI Bank for the specific criteria.
  • Q: Can I get my annual fee waived?
    A: No, the annual fee is not eligible for waiver based on spending.
  • Q: How do I redeem reward points?
    A: You can redeem reward points for cashback or gift vouchers by contacting ICICI Bank customer care.