ICICI Bank Coral Credit Card Review

20.06.2025 03:38 PM - Comment(s)

ICICI Bank Coral Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

ICICI Bank Coral Credit Card Review
"Smart Perks. Simple Living"

Introduction

The ICICI Bank Coral Credit Card is a popular entry-level lifestyle card from ICICI’s Gemstone Collection, designed for individuals seeking a blend of rewards, travel perks, and entertainment benefits at an affordable annual fee. With complimentary lounge access, movie discounts, and milestone rewards, the Coral card is well-suited for first-time credit card users and those looking to maximize everyday savings without a high annual cost, Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Reward Structure

Earn 2 reward points per ₹100 spent on all retail transactions (except fuel).
Earn 1 reward point per ₹100 spent on utilities and insurance.
Each reward point is worth ₹0.25 and can be redeemed for a variety of products, vouchers, and more.

Milestone Benefits

Get 2,000 reward points on ₹2 lakh spend & 1,000 for every additional ₹1 lakh spend.

lounge access

Quarterly: Enjoy 1 complimentary domestic airport lounge access every quarter.
Annually: Avail 4 complimentary railway lounge accesses each year.

Movie Discounts

Enjoy 25% off (up to ₹100) on movie tickets twice a month on both BookMyShow and INOX.

Concierge services

Access 24x7 personalized assistance with the RuPay variant.

Fuel surcharge waiver

Receive a ₹2 lakh Personal Accident Insurance Cover with the RuPay variant of the card.

Culinary Delights

Get dining discounts with Culinary Treats Programme.

Annual Fee And Charges

Annual Fee ₹500 + GST Waived on annual spends of ₹1.5 lakh or more.

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Card Essential

Type	Reward Points
Welcome Benefits	---------*.
Annual Fee	₹500 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	Spend ₹1.5 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The ICICI Bank Coral Credit Card is ideal for users who want to enjoy a mix of rewards, entertainment, and travel perks at a low annual fee. The milestone rewards and fee waiver are achievable for moderate spenders, and the card’s movie and dining discounts add tangible value for regular users. While the reward rate is modest, the Coral card’s comprehensive benefits make it a strong contender in the entry-level segment.

Practical Considerations

Best for: First-time credit card users, moderate spenders, and those who enjoy movies, dining, and occasional travel.
Annual Fee Waiver: Achievable with ₹1.5 lakh annual spend.
Lounge Access: Spend-based eligibility; primary cardholder only.
Reward Rate: Lower than some premium competitors; milestone rewards and lifestyle perks are key value drivers.

Redemption Options

Redeem points for shopping, travel, lifestyle products, and vouchers via the ICICI rewards portal.
Milestone points can be used to maximize annual savings.

Ideal User Profile

Individuals seeking their first credit card or a simple, low-fee card.
Regular shoppers, moviegoers, and diners who want discounts and rewards.
Users comfortable with a modest annual fee in exchange for everyday perks and savings.

Final Thoughts

The ICICI Bank Coral Credit Card is a well-rounded entry-level card that delivers on rewards, lifestyle, and travel benefits at an affordable fee. For those who can maximize its movie, dining, and milestone perks, the Coral offers excellent value and a solid foundation for building a healthy credit profile.

Additional Tips for Applicants

Eligibility: Indian citizens above 21 years of age are eligible if they earn a monthly salary of ₹20,000 (salaried) or an annual income of ₹2,40,000 (self-employed).
Plan annual spends to qualify for the annual fee waiver.
Maximize lounge, movie, and dining benefits for best value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the ICICI Bank Coral Credit Card aligns with their

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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