ICICI Bank Coral Credit Card

Starting a credit journey with credit cards? ICICI Bank Coral Credit Card is a good option! It’s just Rs. 500 a year and lets you earn rewards on everyday purchases. Plus, you get discounts on movies, shopping, and more. It’s accepted worldwide (Visa or Mastercard) so you can use it anywhere. 1Coral Membership Guide Website: ICICI Bank Category: PDF

ICICI Bank Coral Credit Card Benefits

  1. Movie benefits: Get 25% off up to Rs. 100 on movie tickets (twice a month!) on BookMyShow and Inox.
  2. Security: Your card uses Chip and PIN technology to keep your money safe.
  3. Foodie discount: Enjoy special deals on dining through the ICICI Bank Culinary Treats Programme.
  4. Need help? 24/7 customer service is available anytime.
  5. Stuck in a pinch? Get emergency cash assistance when you need it.
  6. Rewarding wait: Enjoy interest-free purchases for 48 days.
  7. Annual Fee Waiver: The annual fee can be waived if you spend Rs. 1.5 lakh in a year.

Lounge access Features

  • Get 1 complimentary domestic airport lounge access every quarter by spending Rs. 5,000 or more in a calendar quarter.
  • lounge access list for Coral ICICI Card. 2Domestic Airport Lounge List Website: ICICI Bank Category: PDF
  • Enjoy 1 complimentary domestic railway lounge visit per quarter.

Milestone Benefits

  • Big spender? Spend Rs. 2 lakhs in a year and get 2,000 bonus points!
  • Spend more, earn more: Every additional Rs. 1 lakh spent gets you 1,000 bonus points (up to Rs. 5 lakh total).
  • Max points per year: There’s a limit of 10,000 bonus points under this program.
  • Yearly perk: These bonus points are offered every year you have the card.

Additional Features

  1. EMI Facility: Convert EMI in 3 to 36 months.
  2. Contactless payment option
  3. Cash Withdrawal at any ATM Near You.

Reward Points

  • Most purchases: Get 2 points for every Rs. 100 spent (like groceries or clothes).
  • Some bills: Earn 1 point for every Rs. 100 spent on utilities and insurance (like electricity or phone bills).
  • Rewards to use: Redeem your points for fun stuff like movies, travel, gadgets, and more!

How To Redeem Coral Reward Points

There are two main ways to redeem your points:

Online Banking:

  1. Log in to your ICICI Bank internet banking account.
  2. Click on “Cards & Loans.”
  3. Find and select “Redeem Reward Points.”

Mobile App:

  • Open the ICICI Bank iMobile app.
  • Go to “Cards & Forex.”
  • Choose your Coral Credit Card to see and redeem your points.

Important Note: If you earned points before March 31, 2022, you’ll need to visit a different website called Zillion Rewards.

ICICI Coral Credit Card Charges

Joining ChargesRs. 500
Annual ChargesRs. 500 3Charges ICICI Card Website: Veejay Capital Category: PDF
Finance Charges3.40% per month (40.80% per annum) on outstanding balance
Cash Advance Fees2.50% of the transaction amount or Rs. 300, whichever is higher
Late Payment FeesRs. 100-750 depending on the outstanding balance
Overlimit Charges2.50% of the overlimit amount or Rs. 500, whichever is higher
Foreign Currency Transaction Fee3.50% of the transaction amount
Card Replacement FeeRs. 100
Duplicate Statement FeeRs. 100 per statement
Payment Return Fee2% of the payment amount or Rs. 450, whichever is higher
Outstation Cheque Processing FeeRs. 100 per cheque
Cash Payment FeeRs. 100 per payment
GSTGoods and Services Tax will be applicable

Eligibility Criteria

  • Age: 21 to 60 years old
  • Income: Minimum of Rs. 5 lakhs per year
  • Employment: Salaried or self-employed
  • Credit Score: Good credit score with no defaults
  • Residence: Must be a resident of India
  • Existing ICICI Bank Customers (Optional): May receive faster approval

Document Required

Proof of IdentityProof of AddressProof of Income
PAN CardAadhaar CardBank statement (last 3 months)
Aadhaar CardPassportSalary slips (last 3 months)
PassportUtility bills (within 3 months)Audited financials (last 2 years for self-employed)
Driving LicenseGovt.-approved photo IDForm 16
Voter’s ID Card or other photo ID

How to Apply For The ICICI Coral Credit Card Online

  1. Head to ICICI Bank website: Visit ICICI Bank website: icicibank.com (they don’t allow linking directly).
  2. Credit Card Section: Find the “Credit Cards” section.
  3. Apply Now: Click on “Apply for a Credit Card.”
  4. Find the Coral Card: Look for the ICICI Coral Credit Card and click “Apply Now.”
  5. Fill Out the Form: Provide your personal and financial details in the online application.
  6. Documents Ready: Upload scanned copies of the required documents (mentioned on the website).
  7. Review and Submit: Double-check everything, then apply online. You’ll get a reference number for tracking.
  8. Once approved, start using your card for payments and purchases.

How to Activate ICICI Coral Credit Card

Online (if available):

  • Visit ICICI Bank website or login to internet banking.
  • Find the credit card activation section.
  • Follow the steps for online activation.

By Phone:

  • Call ICICI Bank customer service (number on card or website).
  • Provide the required information.
  • Follow phone instructions to activate.

At an ATM:

  • Visit an ICICI Bank ATM.
  • Insert your Coral Credit Card.
  • Choose “Create PIN using OTP” option.
  • Enter the OTP sent to your phone and create your PIN.


  • Visit an ICICI Bank branch.
  • Meet a bank representative.
  • Request them to activate your Credit Card.


  • What should I do if my ICICI Coral Credit Card is declined for a transaction even though I have a sufficient credit limit?

    If your card is declined, it could be due to various reasons such as security concerns or temporary technical issues. You can contact ICICI customer service to resolve the issue.

  • How can I track my ICICI Coral Credit Card application status online?

    You can track your credit card application status on the ICICI Bank website by entering your application reference number and registered mobile number.

  • I suspect fraudulent transactions on my ICICI Coral Credit Card. What should I do to protect my account?

    If you notice any unauthorized transactions, report it to ICICI Bank’s customer care immediately to block your card.

Article References

Nanne Parmar