ICICI Bank Coral Credit Card
ICICI Bank · Visa
Why this card?
- 0.5% back in reward points on eligible spends
- ₹500 joining and annual fee; renewal fee waived on ₹1.5 lakh yearly spend
- 4 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- ICICI Bank
- Network
- Visa
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- points
- Best Reward Rate
- 0.5% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
ICICI Coral is a decent entry-level card with a predictable 2 reward points per ₹100 (about 0.5% back) on retail spends and up to 4 domestic lounge visits per year at ₹500/year. It's a solid first card from ICICI Bank, but the flat reward rate and ₹1.5L fee waiver threshold make it less compelling compared to LTF alternatives like IDFC First Millennia.
Pros
- 2 reward points per ₹100 on retail spends — simple, no category tracking
- 1 domestic airport lounge visit per quarter (4 a year) when prior-quarter spend is ₹75,000 or more, plus 4 railway lounge visits a year
- 25% discount on BookMyShow movie tickets up to ₹100, when prior-quarter spend is ₹25,000 or more
- Annual fee waived at ₹1.5L annual spend
Cons
- ₹500/year fee when similar benefits (like IDFC Millennia) are available at zero fee
- 3.5% forex markup — no international use case
- Reward points are less flexible than direct cashback