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ICICI Bank · Visa / Mastercard / RuPay / Amex · हिन्दी

ICICI Bank Coral Credit Card: full review

The ICICI Coral is an ideal first credit card for beginners. At just ₹500 annual fee (waived at ₹1.5L spend), you get railway lounge access with no conditions, movie discounts worth more than the fee, and a foothold in the ICICI rewards ecosystem. The 0.5% reward rate is low, but the lifestyle benefits are outsized for the price.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: August 2026 · Current terms verified
ICICI BANK
VISA
)))
CORAL
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹1,50,000/year spend)Annual fee
2 RP per ₹100 on retail (0.5%); 1 RP per ₹100 on utility/insurance; 1 RP = ₹0.25Reward structure
1 domestic/quarter (on ₹75,000/quarter spend); 1 railway/quarter (no spend condition)Lounge access

Key benefits of the ICICI Bank Coral Credit Card

2 RP per ₹100 on all retail spends (1 RP = ₹0.25 = 0.5% effective)1 complimentary domestic airport lounge visit/quarter on ₹75,000/quarter spend1 complimentary railway lounge visit/quarter, no spend condition25% off (up to ₹100) on 2 movie tickets/month via BookMyShow (on ₹25,000/quarter spend)15%+ off at 2,500+ restaurants via ICICI Culinary Treats Programme1% fuel surcharge waiver at HPCL on ICICI POS machinesFee waived on ₹1.5L/year spendRuPay variant supports UPI credit card payments
Apply now ↗ Min. income: ₹20,000/month (salaried); ₹2.4L/year (self-employed) · Credit score: 700+
Pros and cons
Pros
✓ Very low ₹500 fee, easily waived at ₹1.5L spend
✓ Railway lounge access with no spend condition, unique at this price point
✓ Movie offer worth up to ₹2,400/year alone covers the fee
✓ Good entry card for credit score building
Cons
✗ Very low 0.5% base reward rate
✗ Airport lounge requires ₹75,000/quarter spend
✗ Movie and lounge benefits are spend-conditional from 2026
✗ Limited international benefits with 3.5% forex markup
Quick facts
Issuer ICICI Bank
Network Visa / Mastercard / RuPay / Amex
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹1,50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic/quarter (on ₹75,000/quarter spend); 1 railway/quarter (no spend condition)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried); ₹2.4L/year (self-employed)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceICICI Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for ICICI Bank Coral Credit Card is ₹500 + taxes (waived on ₹1,50,000/year spend). The joining fee is ₹500.
The main benefits of the ICICI Bank Coral Credit Card are: 2 RP per ₹100 on all retail spends (1 RP = ₹0.25 = 0.5% effective); 1 complimentary domestic airport lounge visit/quarter on ₹75,000/quarter spend; 1 complimentary railway lounge visit/quarter, no spend condition; 25% off (up to ₹100) on 2 movie tickets/month via BookMyShow (on ₹25,000/quarter spend); 15%+ off at 2,500+ restaurants via ICICI Culinary Treats Programme; 1% fuel surcharge waiver at HPCL on ICICI POS machines; Fee waived on ₹1.5L/year spend; RuPay variant supports UPI credit card payments.
2 RP per ₹100 on retail (0.5%); 1 RP per ₹100 on utility/insurance; 1 RP = ₹0.25
ICICI Bank Coral Credit Card is best for Entry-level card for beginners wanting lounge access and movie benefits at low fee. The ICICI Coral is an ideal first credit card for beginners. At just ₹500 annual fee (waived at ₹1.5L spend), you get railway lounge access with no conditions, movie discounts worth more than the fee, and a foothold in the ICICI rewards ecosystem. The 0.5% reward rate is low, but the lifestyle benefits are outsized for the price.
The minimum income requirement for ICICI Bank Coral Credit Card is ₹20,000/month (salaried); ₹2.4L/year (self-employed). A minimum credit score of 700+ is also recommended.
Yes, ICICI Bank Coral Credit Card offers 1 domestic/quarter (on ₹75,000/quarter spend); 1 railway/quarter (no spend condition).
ICICI Bank Coral Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Cashback Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Students →
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ICICI Bank Coral₹500 + taxes
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