ICICI Coral credit card

ICICI Coral

ICICI Bank · Visa

ICICI Coral is a popular mid-range card with Buy 1 Get 1 on movies and 4X rewards on dining.

Annual Fee

₹500

Waived at ₹1.5L spend

Joining Fee

₹500

Base Reward Rate

2X

₹0.5/pt

Min CIBIL

700

₹3L+ income

Key Features

2 PAYBACK points per ₹100 on all spends
4 PAYBACK points on grocery and utility bill payments
2 complimentary domestic airport lounge visits per quarter
Discounts on movie tickets via BookMyShow and Inox
Zero fuel surcharge at HPCL petrol stations
Annual fee waived on ₹1.5 lakh spend
Contactless payment enabled
Add-on cards for family

Welcome Benefits

✓

500 PAYBACK Bonus Points on First Spend

Earn 500 PAYBACK points on your first transaction within 90 days of card activation

✓

Zero Annual Fee for First Year

No annual fee charged in the first year of card membership

Reward Rates by Category

Dining

4X

Travel

4X

Online

2X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
Grocery StoresGrocery4X
Utility Bill PaymentsUtilities4X
BookMyShow / InoxEntertainment3X

Milestone Benefits

₹1.5 L

Annual Fee Waiver

Spend ₹1.5 lakhs in a year to waive the ₹500 annual fee for the following membership year

Annual

Airport Lounge Access

Domestic

4 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover for primary cardholder

₹2 Lakhs

Zero Liability on Lost Card

Report loss promptly for full protection

100% fraudulent charges

Pros

  • Buy 1 Get 1 on BookMyShow
  • 4X points on dining
  • 4 domestic lounge visits/year
  • Low annual fee
  • Good entry-level premium card

Cons

  • No international lounge
  • Lower reward rate on general spends
  • Limited transfer partners

Redemption Options

Shopping vouchers

Good₹0.5/pt

Statement credit

Standard₹0.35/pt

Frequently Asked Questions

What earn rate on everyday spends?+
2 PAYBACK points per ₹100 on all spends. 4 PAYBACK points on grocery and utility payments.
Lounge access?+
2 complimentary domestic airport lounge visits per quarter.
How to redeem PAYBACK points?+
Via PAYBACK portal or ICICI Bank website — for vouchers, merchandise, air miles or statement credit. 1 PAYBACK point ≈ ₹0.25.
Annual fee?+
₹500. Waived on ₹1.5 lakh annual spend.
Movie benefits?+
Discounts on BookMyShow and Inox tickets for ICICI Coral cardholders.

Ready to apply?

Apply on the ICICI Bank website. Usually takes 10 minutes.

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ICICI Coral

₹500/yr · 2X rewards