ICICI Bank Coral Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
2 Reward Points per ₹100 spent; 10,000 bonus Reward Points achievable annually
Welcome Bonus
Welcome benefits vary by current offer; 10,000 bonus Reward Points achievable annually via milestones
Lounge
1 Domestic/Qtr (₹75K Spend) + 4 Railway/yr
Our Expert Take
The ICICI Bank Coral Credit Card from ICICI Bank offers Everyday Dining & Movie Discounts with an annual fee of ₹500 + Taxes.
Reward limits
Checked 28 Sep 2026 · Bank terms
-
2 points per ₹100; 1 per ₹100 on utilities and insurance
No published limit
-
Milestone bonus points
Max 10,000 points per anniversary year
No rewards on: Fuel, rent, government, EMI, cash advances; utilities and insurance earn at a reduced rate
Pros & Cons
Key Advantages
- 15%+ dining discount at 2,500+ Culinary Treats partner restaurants
- 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
- 4 complimentary railway lounge visits annually
- Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)
Limitations
- Lounge access requires ₹75,000 spend in the preceding quarter
- Movie discount requires ₹25,000 spend in the preceding quarter
- Base reward rate of 2 points per ₹100 is modest
Key Perks & Spending Milestones
2 Reward Points per ₹100 spent, with up to 10,000 bonus points achievable annually
1 complimentary domestic lounge visit per quarter + 4 railway lounge visits/year, conditional on ₹75,000 spend in the preceding quarter
15%+ dining discount at 2,500+ Culinary Treats partner restaurants
25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month, conditional on ₹25,000 spend in the preceding quarter
Transportation spends (rail, bus, metro) earn rewards only up to ₹10,000/month, revised 2026
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Annual fee waived on ₹1.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹1.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on ICICI Coral?
How does the movie ticket offer work on Coral?
Did Coral's rewards change in 2026?
How many lounge visits does Coral offer?
Compare ICICI Bank Coral Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Coral Credit Card This Card | ₹500 + Taxes | 2 Reward Points per ₹100 spent; 10,000 bonus Reward Points... | 1 Domestic/Qtr (₹75K Spend) + 4 Railway/yr | 4.1/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |