ICICI Bank
Platinum · Coral
ICICI Bank Coral Credit Card
ICICI Bank
Earn reward points and enjoy complimentary lounge access
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹11,410
Total Annual Benefits
₹12,000
Total Annual Charges
₹590
ROI
1933%
Fee Waiver Available
Annual fee waived on spending ₹1,50,000 in the preceding year — ₹1,50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter
- • Swipe card at participating airport lounges
8 visits/year
₹16,000/yr
Reward Points (2)
Reward Points on Domestic Spends
Earn 2 reward points per ₹100 spent on domestic transactions
- • Excludes fuel, cash advances, EMI conversion
2 RP per ₹100
Reward Points on International Spends
Earn 4 reward points per ₹100 spent on international transactions
- • Doubled earn rate for international transactions
4 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
ICICI Reward Points
2 RP per ₹100 domestic, 4 RP per ₹100 international
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers from ICICI Rewards Catalogue
- → Air miles conversion
- → Statement credit
Bonus Categories
International
4x multiplier
4 RP per ₹100 on international spends
Domestic
2x multiplier
2 RP per ₹100 on domestic spends
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Plus GST |
| Annual Fee | ₹500 Plus GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.53%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹35,000
- Min. Annual Income
- ₹5,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹35,000
- • Self-Employed: ITR > ₹5 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • 2 complimentary domestic lounge visits per quarter
- • Swipe Coral card at participating airport lounges
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International usability Add-on cards available EMI conversion facility ICICI Culinary Treats dining offers Movie ticket offers on BookMyShow
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The ICICI Bank Coral Credit Card is a mid-tier lifestyle card offering 2 reward points per ₹100 on domestic spends and 4 reward points per ₹100 on int...
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