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ICICI Bank
ICICI Bank Coral Credit Card
- Joining fee incl. GST
- ₹590
- Renewal fee incl. GST
- ₹590
- Conditional welcome value
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- ₹20,000/mo
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Reward ceilings, transaction rounding and detailed annual qualifying-spend exclusions remain unverified; point values are comparison assumptions.
| Spend category | Reward rate | Reward limit |
|---|---|---|
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% | Unverified |
Insurance 1 reward point per Rs.100 on insurance. ~0.25% value-back at Rs.0.25/point. | 0.25% | Unverified |
| Other eligible purchases | 0.5% | — |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
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 - from 01 April 2026 this requires Rs.25,000 of spend in the preceding spends quarter
- 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
- −ICICI does not publish an international lounge allowance on this card
- −High 3.5% foreign currency markup
- −From 01 April 2026 the BookMyShow benefit needs Rs.25,000 of spend in the preceding quarter
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