ICICI Bank Coral Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns reward points
First-year fee
₹500 + GST
Annual fee
₹500 + GST
What it gives back
2 reward points per ₹100 · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual feeJoining fee
₹500 + GST
Rewards
Reward rate
2 reward points per ₹100 · everyday spends2 reward points per ₹100 on retail spend; 1 per ₹100 on utility and insurance spend.
Catalogue redemption
Health and Beauty, Travel and Luggage, Shopping Voucher, Home Appliances, Electronics, Fashion and Lifestyle.
Card benefits
Lounge benefit
Get 4 complimentary railway lounge access, Click here for lounge list.
Domestic lounge access
To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Coral Credit Card in a calendar quarter.
Movie or entertainment ticket benefit
25% off up to ₹100 on movie tickets on BookMyShow and INOX, twice a month
Also included
Surcharge on railway tickets
1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher
Air accident cover
Get a personal accident insurance cover (RuPay variant)
Insurance benefit
₹2 lakh personal accident insurance cover (RuPay variant)
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)
Cash advance fee
2.5% on advanced amount, subject to minimum of ₹500
Cash advance interestInterest on unpaid balance
3.75% interest per month
Interest-free period
18 to 48 days interest-free when you pay in full.
Late payment fee
Ranging from ₹100 – ₹1,300.
Over-limit fee
2.50% on the over-limit amount subject to a minimum of ₹550. Over-limit facility for customer induced transactions will be provided only basis explicit consent from customer as per regulatory guideline
Payment return or dishonour fee
Return of cheque: 2% of Total Amount Due, Min. ₹500; Auto-Debit return fee: 2% of Total Amount Due, Min. ₹500; in addition ₹50+GST will be debited from customer saving bank account. In case customer paid partial payment against Total Amount Due (TAD) then fee will be calculated on Total Amount Due (TAD) minus payment if applicable
Card replacement fee
₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card
Cash payment / cash deposit fee
A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment
Charge for lounge visits beyond the free limit
Over and above the permitted number of complimentary access, each subsequent access will be charged as per rates laid out by each lounge service provider.
Education / school fee charge
A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)
EMI conversion fee
Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions
Fee on online skill-based gaming spends
A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)
Wallet load charge
A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)
Fuel transaction fee
A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)
Rent transaction fee
1% fee on transaction amount (Merchant Category Code: 6513)
Utility transaction fee
A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)
GST note
GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges
Grace days after the due date
Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)
Eligibility
Age the primary cardholder must be
Over 21 years of age (21–65 years)
Income, salaried
Monthly income of ₹20,000
Income, self-employed
Annual income of ₹2,40,000
Residency
An Indian citizen over 21 years of age.
In the terms, not the brochure
What happens to unredeemed points if the card is closed
If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.
Whether carrying a balance ends the interest-free period
If the Total Amount Due is not paid by the payment due date + 3 days grace, then there will be no interest free period.
How we know
- Card pageProof
- MITCProof
- Lounge access terms, 1 May 2026Proof
- Card terms and conditionsProof
- Fees and charges pageProof
On these lists
- Credit cards with airport lounge access128 cards→
- Credit cards with an annual fee of ₹500 or less67 cards→
- Credit cards with movie ticket offers68 cards→
- Credit cards with railway lounge access18 cards→
- Forex markup on every card, lowest first259 cards→
- ICICI Bank credit cards by forex markup, lowest first→
₹500 a year
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