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ICICI Bank
ICICI Bank Coral Credit Card
4.1Best for bill payments
Lounge access
- Joining fee
- ₹500
- Annual fee
- ₹500
- Welcome bonus
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹20,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Utilities & bills 1 reward point per Rs.100 on utilities and insurance. At ~Rs.0.25/point this is ~0.25% value-back. Retail spends earn 2 points/Rs.100 (~0.5%, the base rate). | 0.25% | — | ₹300 |
Insurance 1 reward point per Rs.100 on insurance. ~0.25% value-back at Rs.0.25/point. | 0.25% | — | ₹300 |
| All other spends | 0.5% | — | ₹600 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹500
Annual fee₹500
Annual fee waiverAnnual fee waived on spend of Rs.1,50,000 in previous year
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹2,00,000 | 2,000 reward points on Rs.2,00,000 annual spend | ₹500 |
| ₹3,00,000 | 1,000 reward points for every additional Rs.1,00,000 spend (up to 10,000 points / year) | ₹250 |
Key benefits
- Airport lounge access — 1/quarter domestic (Domestic lounge access requires Rs.75,000+ spend in previous quarter)
- 2 reward points per Rs.100 on retail spends
- 1 reward point per Rs.100 on utilities/insurance
- Milestone reward points up to 10,000/year
- 4 complimentary railway lounge visits per year
- 25% off (up to Rs.100) on movie tickets twice monthly via BookMyShow/INOX
- Dining discounts via ICICI Culinary Treats
- 1% fuel surcharge waiver (Rs.400-Rs.4,000 at HPCL)
- Contactless payment enabled
What we like
- +Low joining and annual fee (Rs.500)
- +Easy annual fee waiver at Rs.1.5 lakh spend
- +Low income eligibility - accessible entry-level card
- +Movie, dining and railway lounge perks
What to watch
- −Modest reward rate (~0.5% on retail)
- −Only 1 domestic lounge visit per quarter, gated by spend
- −No international lounge access
- −High 3.5% foreign currency markup
Compare with similar cards
- Top reward
- 5%
- Annual fee
- Lifetime free
- Top reward
- 1%
- Annual fee
- ₹12,000
- Top reward
- 5%
- Annual fee
- ₹500
- Welcome bonus
- ₹500 value