Is the ICICI Bank Coral Credit Card free?

No, the card has a joining fee of ₹500 + GST and an annual fee of ₹500 + GST.

How can I get the annual fee waived off for the ICICI Bank Coral Credit Card?

If you spend over ₹1.5 lakh, you can get your annual fee waived off for the next year.

Can I make online purchases with the ICICI Bank Coral Credit Card?

Yes. You can easily make online purchases across India and in select overseas stores using the ICICI Bank Coral Credit Card.

What is CVV in a Credit Card? How do I find it in my ICICI Bank Coral Credit Card?

Flip your ICICI Bank Coral Credit Card. The three-digit security code next to the signature panel is your CVV (Card Verification Value). You can also check it by logging in to your iMobile app or Internet Banking.

Which bank's Credit Card should I opt for?

The ICICI Bank Coral Credit Card is an excellent choice. It has a low joining fee and several benefits for movie and travel enthusiasts.

What is the age limit to apply for a Coral Credit Card?

You must be between the age group of 21-65 years to be eligible to apply for an ICICI Bank Coral Credit Card.

How do I know the payment due date of my ICICI Bank Coral Credit Card?

You can know the payment due date of your ICICI Bank Coral Credit Card through the monthly statement, iMobile app, Internet Banking or by calling our Customer Care on 1800 1080.

What are the criteria for availing domestic lounge access?

To enjoy domestic lounge access, you must spend ₹75,000 or more on your Coral Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.

What are the movie ticket benefits available?

Cardholders are eligible for a 25% off on movie ticket offer worth up to ₹100 on the purchase of a minimum of two tickets. Any additional bookings beyond the complimentary benefit will be charged as per the rates decided by the service provider.

What is the fuel surcharge waiver offered to cardholders?

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. This benefit applies to both the primary Cardholder and the Plus (supplementary) cardholder, helping them save on regular fuel expenses.

Where can I find the list of lounges available for ICICI Bank Coral Credit Card Holders?

You can check participating lounge websites to clarify if the ICICI Bank Coral Credit Card is accepted.

LifestyleMid-levelRuPay

ICICI Coral Credit Card

Flat 2% cashback for routine spenders

Annual fee₹500Waived on ₹1.5L spend

Rewards2.00%2 Reward Point per ₹100

Forex markup3.5%3.5%

Check Eligibility →or apply directly on ICICI Bank's website ↗

Secure · Free · No spam calls

Rewards

Base earn rate

2 Points on Retail Spend per ₹100, 1 Point on Utility and Insurance Spend per ₹100

Excludes: Utility, Insurance

Category	Rate	Cap
Retail Spend	—	—
Utility And Insurance Spend	—	—

• Redemption fee: ₹99

Milestone benefits

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)

Lounge access

Domestic

4visits / year

Max 1 per quarter
Requires ₹75,000 prior spend

View partner lounges →

International

Not included

Railway lounge access — Included

Get 4 complimentary railway lounge access annually. Get 1 complimentary access to select railway lounges in India every quarter. Simply present your ICICI Bank Coral Credit Card to enjoy the privileges. 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.

Fees & charges

Joining fee: ₹500 + Goods and Services Tax (GST)
Annual / renewal fee: ₹500 + GST
Annual fee waiver: Spend over ₹1.5 lakh and get annual fee waived off for the next year
Add-on card fee: ₹199
Interest rate: Pay 3.75% interest per month
Interest-free period: 48 days
Cash advance fee: ATM withdrawal: Pay 3.75% interest per month
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5%
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle

Late payment

Ranging from ₹100 to ₹1,300

View official MITC →

Insurance covers

Air accident

₹2L

Get a Personal Accident Insurance Cover of ₹2 lakh (RuPay variant)

Fraud liability

Cardholders are protected against fraudulent transactions with Counterfeit Card Liability, ensuring coverage against unauthorised usage. Additionally, the Card provides an Account Takeover Cover, which safeguards you in case your personal information is accessed or misused by a third party without your consent.

Eligibility

Income (salaried): A salaried individual with a monthly income of ₹20,000, Self-employed individual with an annual income of ₹2,40,000
Income (self-employed): ₹2.4L/year
Age: 21–65 years

Employment types

SalariedSelf-Employed

Required documents