ICICI Bank Coral Credit Card
An entry points card (₹500 to join and ₹500 a year, waived above ₹1.5 lakh of spend): 2 points per ₹100 on retail spends and 1 on utilities and insurance, with a quarterly domestic lounge visit and movie discounts. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Utilities and insurance (government payments count as utilities) | 1 point per ₹100 Product page | no cap on record |
| Retail spends (UPI on the RuPay variant earns points) | 2 points per ₹100 Product page | no cap on record |
ICICI Bank publishes no rupee value for these points; redemption is through the ICICI Bank Rewards catalogue, with a ₹99 + GST handling fee per request.
No rewards on
- Rent and wallet loads (from 5 Feb 2024) Terms
Benefits
- Lounges: 1 domestic airport lounge visit a quarter after ₹75,000 of spend in the previous quarter (primary cardholder), plus 4 railway lounge visits a year — ₹75,000 of spend in the preceding quarter for the airport visit Product page
- Fuel: 1% fuel surcharge waived at HPCL pumps on fills of ₹400 to ₹4,000 swiped on an ICICI Bank machine (no cap stated) Product page
- Milestone: 2,000 bonus points at ₹2 lakh of spend in an anniversary year, then 1,000 for each further ₹1 lakh, up to 10,000 points Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- 25% off up to ₹100 on BookMyShow movie tickets twice a month after ₹25,000 of spend in the previous quarter Product page
- 25% off up to ₹100 on INOX movie tickets twice a month Product page
- 4 complimentary railway lounge visits a year Product page
- ₹2 lakh personal accident cover on the RuPay variant Product page
- 24/7 concierge service on the RuPay variant Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹20,000 Product page
- Self-employed: annual income of ₹2.4 lakh Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- whether fuel spends earn reward points
- the card networks other than RuPay (the product page names only the RuPay variant)
- a monthly cap on the fuel surcharge waiver
The quotes behind the figures
32 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining fee- ₹500 + Goods and Services Tax (GST)”
“Annual fee- ₹500 + GST (Spend over ₹1.5 lakh and get annual fee waived off for the next year)”
“If you spend over ₹1.5 lakh, you can get your annual fee waived off for the next year.”
“Forex Markup 3.5%”
“Earn Points on every ₹100 spend 2 On Retail Spend 1 On Utility and Insurance Spend”
“Starting 05 February 2024, the government transactions will be included under utility payment transactions.”
“Reward points on UPI and card transactions”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Everyday or On-The-Go Spends Coral Credit Card Apply Now”
“Yes, the card has a joining fee of ₹500 + GST and an annual fee of ₹500 + GST.”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“ICICI Bank Rupay Credit Card: Fees & Charges Joining Fee ₹500 + GST for Coral Credit Card”
“Easily link your RuPay Credit Card for UPI transactions”
“A 1% fuel surcharge waiver is eligible for transactions between ₹400 to ₹4000 on HPCL Fuel Stations when the transaction is conducted on ICICI Bank Merchant Services Swipe Machine.”
“If only minimum due is paid Pay 3.75% interest per month”
“Late payment charges Ranging from ₹100 – ₹1,300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get 1 Domestic Airport Lounge access for primary cardholders on eligible spends of ₹75,000 or more in the preceding spends quarter.”
“Get 1% waiver on fuel transactions worth ₹400 – ₹4,000 at Hindustan Petroleum Corporation Limited (HPCL) pumps*”
“Get 2,000 reward points on ₹2 lakh spend and 1,000 for every additional ₹1 lakh spend (max 10,000 points per Anniversary year)”
“Get 25% off up to ₹100 on movie tickets on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter”
“Get 25% off up to ₹100 on movie tickets at INOX, twice a month”
“Get 4 complimentary railway lounge access.”
“₹2 lakh Insurance Get a personal accident insurance cover (RuPay variant)”
“Get round-the-clock assistance. To contact, please call the toll-free number 18002670731 (Rupay Variant)”
“Popular Coral save compare Best Credit Card for Everyday or on-the-go spends”
“An Indian citizen over 21 years of age”
“You must be between the age group of 21–65 years to be eligible to apply for an ICICI Bank Coral Credit Card.”
“Self-employed individual with an annual income of ₹2,40,000”
“A salaried individual with a monthly income of ₹20,000”
“APPLY NOW Coral Credit Card: Fees and charges”
“The ICICI Bank Coral Credit Card offers lounge access, reward points on spends and concierge services (RuPay variant).”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology