ICICI Bank Coral Credit Card

Issued by ICICI Bank · Terms last verified 24 Oct 2026

Fees

Joining fee
Joining fee of INR 500 plus GST.
Renewal fee
Annual fee of INR 500 plus GST, waived for the next year on annual spend over INR 150,000. Waived when yearly spend is more than ₹1,50,000.

Online & Offline spends

Spend Rate Cap
Offline spends 2 Reward Points per ₹100 On the first ₹10,000 spends per statement cycle

Travel

Spend Rate Cap
iShop — Hotels 12X Reward Points No stated cap
iShop — Flights, iShop — Bus 6X Reward Points Up to 8,000 Reward Points per day

Shopping

Spend Rate Cap
iShop — Voucher/Gift Card 6X Reward Points No stated cap

Bills & Utilities

Spend Rate Cap
Utilities 1 Reward Points per ₹100 On the first ₹40,000 spends per statement cycle
Insurance 1 Reward Points per ₹100 On the first ₹40,000 spends per statement cycle

All other spends

Spend Rate Cap
All other spends 2 Reward Points per ₹100 No stated cap

Earns no rewards on

Fuel, Transportation, Rent, Education, Wallet load, Online Gaming

Surcharge waivers

  • Fuel surcharge waiver — 1% fuel surcharge waiver on fuel transactions at HPCL pumps for transactions from INR 400 to INR 4,000 when payment is made by swiping the card on ICICI Merchant Services swipe machines, applicable for fuel spends up to INR 50,000 per statement cycle. Capped at Up to ₹50,000 per statement cycle. Waived when transaction amount is at least ₹400, transaction amount is up to ₹4,000, merchant is Hpcl.

Redeeming rewards

  • Rewards catalogue — ₹0.25 each

Benefits

Movies
Movie ticket offers on BookMyShow and INOX, including 25% discount up to INR 100 twice a month subject to stated eligibility conditions.
Concierge
24/7 concierge services are stated for the RuPay variant.
Fuel Waiver
1% fuel surcharge waiver on eligible HPCL fuel transactions of INR 400 to INR 4,000 when swiped on ICICI Merchant Services swipe machines.
Airport Lounge
1 domestic airport lounge access per quarter for the primary cardholder on eligible spend of INR 75,000 or more in the preceding spend quarter.
Railway Lounge
4 complimentary railway lounge accesses annually; FAQ also states 1 complimentary railway lounge access every quarter.
Travel Insurance
Personal accident insurance cover of INR 200,000 is stated for the RuPay variant.
Milestone Benefits
2,000 reward points on INR 200,000 anniversary-year spend and 1,000 reward points for every additional INR 100,000 spent, up to 10,000 reward points per anniversary year.

Eligibility

  • None
    • Country Of Residence: India
    • Employment: Salaried
    • Age Years: 21 to 65
    • Monthly income: At least ₹20,000
  • None
    • Country Of Residence: India
    • Employment: Self Employed
    • Age Years: 21 to 65
    • Annual Gross Income: At least ₹2,40,000

Sources

Everything above is extracted from the following issuer documents. Where a figure here and the issuer's page disagree, the issuer's page is authoritative.

  1. ICICI Bank Coral Credit Card – Your First Step to Financial Freedom — Issuer page, retrieved 2026-10-24 (sha256 632ef920…)
  2. iShop by ICICI Bank | Earn Rewards on Flights, Hotels & More — Issuer page, retrieved 2026-10-24 (sha256 5c7a9001…)
  3. mitc_cc.pdf — Terms PDF, retrieved 2026-10-24 (sha256 c700951c…)
  4. capping.pdf — Terms PDF, retrieved 2026-10-24 (sha256 7f146f16…)

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