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ICICI Bank Coral Credit Card

by Kshitiz V Sharma on

The Bottom Line

ICICI Bank Coral Credit Card
Low Fee, Low Rewards

2 reward points / ₹100 on all spending and 1 point on insurance & utilities.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -0.5%^ 0.0% 0.7% 0.7% 0.7%
Est. Monthly Reward (₹) (25) 130 350 710
All-India Rewards Rank* 196 234 151 193 192
Within Bank Rank* 20 24 8 18 20
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The ICICI Bank Coral Credit Card gives 0.25% effective rewards on utilities & insurance payments and 0.50% on all other spending.

Overall, including milestone rewards, we estimate you can earn a net reward yield of 0.7% on monthly spending above ₹20,000 with this card.

The Mine Credit Card is the best credit card from ICICI Bank for most people.

Sign up for the PRO 49 plan if you are spending less than ₹20,000 a month on your card. The PREMIUM 149 plan is best if you are spending between ₹20,000 – 50,000.

You can earn a net reward yield of 1.4-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your card, the Amazon Pay ICICI Bank Credit Card is the best option from ICICI Bank. We estimate you can earn a net reward yield of 1.2% with this card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card ICICI Bank Coral Credit Card
Card Type Reward
Reward Features 2 Reward Points / ₹100 on all spending

1 Reward points / ₹100 on:
– Insurance
– Utilities

Milestone Rewards – 2,000 Reward Points on annual spending of ₹2 Lacs

– 1,000 Reward Points on every ₹1 Lacs ( After ₹2 Lacs )

Other Rewards – 1 Complimentary Domestic Airport Lounge Visits / Qtr

– 1 Complimentary Railway Lounge access / Qtr.

– 25% discount(up to ₹150) on movie tickets at BookMyShow and INOX

– 15% discount on dining through ICICI Bank Culinary Treats Programme

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Cashback against statement balance

Fees & Charges

Card ICICI Bank Coral Credit Card
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹1.5 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 40.80% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹300
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