icici coral credit card benefits

The ICICI Bank Coral Credit Card is an entry-level rewards card that offers movie discounts, complimentary domestic airport and railway lounge access, milestone bonus points, and dining privileges for an annual fee of ₹500 + GST.

You can review full official terms on the ICICI Bank Coral Credit Card page.

Rewards & Milestone Benefits

• Retail Rewards. Earn 2 reward points per ₹100 spent on general retail purchases, excluding fuel.
• Utility & Insurance Rewards. Earn 1 reward point per ₹100 spent on utilities and insurance payments.
• Point Value & Redemption. Each reward point is worth ₹0.25. You can redeem points for shopping vouchers, electronics, travel, and lifestyle items through the ICICI Bank Rewards Portal.
• Anniversary Milestone Bonus. Earn 2,000 bonus reward points when you spend ₹2,00,000 in an anniversary year. Earn an extra 1,000 bonus points for every additional ₹1,00,000 spent, capped at 10,000 bonus points per year.

Travel & Lounge Access

• Domestic Airport Lounges. Get 1 complimentary domestic airport lounge visit per quarter. To unlock this perk, you must spend at least ₹75,000 in the preceding calendar quarter.
• Domestic Railway Lounges. Enjoy 1 complimentary railway lounge visit per quarter (up to 4 visits annually) at participating stations.
• Fuel Surcharge Waiver. Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL petrol pumps.

Entertainment & Dining

• Movie Ticket Discounts. Get a 25% discount up to ₹100 on the purchase of at least two movie tickets via BookMyShow or INOX. You can use this offer twice per month.
• Dining Privileges. Access a minimum 15% discount on dining bills at over 2,500 partner restaurants across India under the ICICI Bank Culinary Treats program.

Extra Perks on the RuPay Variant

If you choose the RuPay network variant instead of Visa or Mastercard, you receive three extra features:

• UPI Payments. Link your credit card to UPI apps to scan QR codes and earn reward points on merchant payments.
• Personal Accident Cover. Receive complimentary ₹2,00,000 personal accident insurance coverage.
• 24/7 Concierge Services. Access round-the-clock assistance for travel, dining, and hotel bookings via the dedicated concierge helpline.

Key Fees & Charges

Fee Type Amount

Joining Fee ₹500 + GST

Annual Fee ₹500 + GST (Waived on ₹1,50,000 annual spend)

Interest Rate 3.75% per month (45% annualized) on unpaid balances

Foreign Currency Markup 3.5% of transaction value

Cash Advance Fee 2.5% of withdrawn amount (minimum ₹500)

(Note: ICICI Bank also offers a co-branded HPCL Coral Credit Card with a lower ₹199 + GST fee focused on fuel cashback.)