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Last updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Points per ₹100
1 Point per ₹100 on Utilities
The privileges that come bundled in, beyond the reward points.
1 Lounge Access per quarter
Discounts on Dining
An honest read on where this card earns its keep — and where it doesn't.
Easy to get
RuPay option
Low rewards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with ICICI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how ICICI Bank Coral stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about ICICI Bank Coral fees, reward conversion, lounge access, and application eligibility.
ICICI Bank Coral has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Bonus points on spending".
ICICI Bank Coral earns Points at a primary rate of 2 Points per ₹100. Specifically, 1 Point per ₹100 on Utilities. Spends in Entry Level, Rewards categories provide the maximum valueback per transaction on this card.
Yes, because ICICI Bank Coral is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Yes, ICICI Bank Coral features complimentary airport lounge privileges. Privileges include: "1 Lounge Access per quarter". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 680 or above is strongly recommended for approval of ICICI Bank Coral. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
ICICI Bank Coral levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
ICICI Bank Coral currently features a welcome offer: "Bonus points on spending". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Easy to get and RuPay option. However, keep in mind that Low rewards. Overall, ICICI Bank Coral delivers strong value if your regular spending aligns with Entry Level, Rewards.
You can apply for ICICI Bank Coral directly through ICICI Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
