Card Details · CardCheck

Key Benefits

2 Reward Points per ₹100 on retail spends

1 Reward Point per ₹100 on utility and insurance spends

25% discount on BookMyShow & INOX movie tickets (up to ₹100, twice per month)

1 complimentary domestic airport lounge visit per quarter on quarterly spends of ₹75,000

4 complimentary railway lounge visits per year

2,000 bonus Reward Points on ₹2 lakh annual spends

Annual fee waiver on ₹1.5 lakh annual spends

Rewards

Earning rates across spend categories

2.00%

Other

Fees & Charges

Annual fee waived on spends of ₹150,000

Joining Fee	₹500 + GST
Annual Fee	₹500 + GST
Annual Fee Waiver	Available
Late Payment Fee	1300.00%
Foreign Currency Markup	3.50%
Cash Advance Fee	2.50%

About this Card

The ICICI Bank Coral Credit Card is a popular entry-level card that bundles reward points, 1 free domestic lounge visit per quarter, and movie ticket discounts into a ₹500 annual fee. It earns 2 ICICI Reward Points per ₹100 on retail spends — straightforward and suitable for first-time credit card users.

Exclusions

No international lounge access

Limited reward rate compared to premium cards

Annual fee not easily waived

Tips & Reviews

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Eligibility

Min. Income₹25,000/month

Min. Credit Score700+

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

Good entry-level lifestyle credit card
Useful movie discounts for regular moviegoers
Includes both airport and railway lounge access
Low annual fee with achievable waiver milestone
Decent milestone rewards for moderate spenders
Good beginner-friendly ICICI credit card
RuPay variant supports UPI payments

CONS

Reward redemption value is relatively low
Airport lounge access requires high quarterly spending
Forex markup is high at 3.5%
Base reward rate is average compared to modern cashback cards
Movie benefits now have stricter spend-based eligibility conditions
Limited premium travel and lifestyle benefits
Best value depends heavily on movies and ICICI offers

Who is this card for?

First-time credit card users or those transitioning from a basic card to one with lifestyle perks. Best for salaried individuals with monthly spends of ₹10,000–₹30,000.

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Last updated: 10 Jul 2026