ICICI Bank Coral Credit Card

Customers who use the ICICI Coral Credit Card from ICICI Bank are eligible for special rewards and deals on dining, entertainment, and travel. Visa, Mastercard, and AmEx are the three credit card options offered by Coral, and you are free to select any one of them. With this card, you can earn up to 2 reward points for every transaction of Rs. 100, and these points can be redeemed for a variety of goods & categories. Additionally, the Coral credit card offers the chance to annually earn up to 10,000 additional Reward Points through its milestone programme.

In addition to these advantages, the card provides amazing savings on movie tickets on Inox and BookMyShow. The card offers free domestic airport and train lounge access every day, taking into account your travel needs.

Credit cards from ICICI Bank are excellent and feature intriguing promotions. Most people want to obtain the Coral Credit Card first among the bank’s cards. The combination of deals on lodging, wellness, and eating gives its consumers access to a unique and extraordinary experience. The top-notch security features on the ICICI Bank Coral Credit Card not only make it exciting to have one, but they also boost customer confidence. The card has additional security against copying and counterfeiting thanks to the embedded microprocessor. This gorgeous-looking card has attractive incentives, fantastic cashback, significant discounts, and top-notch security as standard features.

Features And Benefits Of ICICI Bank Coral Credit Card

One of the straightforward yet well-liked ICICI Bank credit cards is the Coral card. It offers good perks in other categories as well, such as travel, fuel, and others, along with a respectable reward rate. The ICICI Bank Coral Card has the following features and advantages:

Rewards On PAYBACK Points

• The ICICI Bank Milestone Rewards programme awards 2,000 points for transactions totaling Rs. 2 lakh. After reaching this threshold, transactions over Rs. 1 lakh within an anniversary year will earn 1,000 points.
• PAYBACK Points may not exceed 10,000 per year.
• When a cardholder spends Rs. 100, they can earn 2 PAYBACK points. This deal only applies to payments that don’t include fuel.
• On utility and insurance payments, one PAYBACK Point is earned.

Offers On Movie Tickets

• Booking movie tickets with BookMyShow and Inox will save you 25%.
• Up to two complimentary tickets totaling Rs. 400 are available each month.
• Tickets are distributed in accordance with availability.

ICICI Culinary Treats Programme

• Cardholders can save at least 15% while dining at more than 2,500 restaurants in 12 American cities.

Exclusive Access To Airport And Railway Lounges

• The credit cards give users free admission to a few domestic airport lounges or train lounges once every three months.
• The primary cardholder is the only one who may use the gratis lounge access.

Secured Transactions

• The Coral Credit Card has a built-in microchip that serves as additional security against fraudulent usage of the card.
• When using a card swipe machine, a user must input their Personal Identification Number (PIN).
• Online purchases do not require the PIN to be entered.
• A cardholder must register their card on the official ICICI bank website in order to use 3D Secure.

Waiver On Fuel Surcharges

• One percent of fuel fees are waived for Coral Credit Card holders. The maximum transaction amount for this at HPCL locations is Rs. 4,000.
• The waiver is applicable to card payments made using the card swipe machines from ICICI Merchant Services.

Milestone Benefit

You receive 2,000 reward points for spending Rs. 2 lac, and you receive an additional 1,000 reward points for spending Rs. 100,000 within the next anniversary year. Your annual bonus Points earning potential is restricted at 10,000 Points.

ICICI Bank Coral Credit Card Rewards

• Spend Rs 100 and receive 2 reward points, excluding gasoline.
• For every Rs 100 you spend on utilities and insurance, you’ll earn 1 reward point.

Reward Redemption

• One reward point is worth 0.25 rupees, and they can be exchanged for money or gifts.
• Call customer service at 080-4014-6444 to exchange points for cash.
• You can contact Redeem against Cash by calling 1860-258-5000.

How to Redeem ICICI Coral Credit Card Reward Points?

It’s easy to redeem the reward points that have been accumulated on your ICICI Coral credit card. All you have to do is adhere to the directions listed below.

• Step 1: Sign in to your ICICI Coral credit card account in step 1.
• Step 2: Go to the section for reward points.
• Step 3: Use the reward points to make a purchase. You might be taken to a rewards catalogue where you can choose the item you want to use your points to buy.

Within a few days, the item you ordered will be sent to the address you provided.

You can also call the ICICI Bank credit card helpdesk to redeem your accumulated reward points. To request a reward point redemption, only adhere to the IVRS instructions.

ICICI Bank Coral Credit Card Offers July Offers 2023

The deals for the ICICI Bank Coral Credit Card are given below.

• 2 points for every INR 100 spent, except fuel
• Every INR 100 spent in the insurance category will earn you one reward point.
• 2,000 bonus points after investing INR 2 lakh
• additional 1,000 reward points after spending INR 2 lakh and reaching INR 1 lakh.
• Free access to the Indian Railway Lounge and one MasterCard or Visa-affiliated airport lounge each quarter, along with a 25% discount on BookMyShow and Inox
• Free access to one airport lounge in India that is linked with MasterCard or Visa, as well as a 1% fuel price waiver at HPCL Petrol pumps, provided that the transaction is under INR 4,000.

Fees And Charges Of ICICI Bank Coral Credit Card

Title	Details
Joining Fee	Rs. 500
Annual Fee	Rs. 500
Finance Charges	3.40% per month|40.80% p.a.
Late Payment Charges	For Statement Balance: Below 100 rupees: 0 100 to 500 rupees: 100 rupees, From 501 to 5,000 rupees: 500 rupees, Between 5,001 and 10,000 rupees: 750 rupees, Between 10,0001 and 25,000 rupees: 900 rupees1,000 rupees for amounts of 25,001 to 50,000 rupees. Over 50,000 rupees: 1,200 rupees

Savings On ICICI Bank Coral Credit Card

The following table provides an estimate of the annual savings that a cardholder can achieve:

Annual card transactions of Rs.3,60,000	Savings earned
24 free tickets to films	Rs.2,400
‘Culinary Treats’ offers 15% off of dining	Rs.3,600
Rewards on annual transactions of Rs. 3,000,000	Rs.1,425
Milestone rewards for credit card usage	Rs.750
Free entrance to the airport lounge	Rs.4,000
1.0% off the fuel surcharge	Rs.600
Free entrance to the Railway Lounge	Rs.2,000
Projected savings	Rs.11,175

Should You Get This Card?

If you’re new to credit cards and want a card with a low annual fee of Rs. 500, the ICICI Coral Credit Card is an excellent choice for you. Although the card provides incentives, access to airport lounges, and movie tickets, the perks are dispersed but extremely few. With 2 reward points for Rs. 100, the card has a very basic reward rate. Only Inox and BookMyShow are eligible for the movie bonus, which is only available twice a month depending on ticket availability. Only HPCL Pumps are eligible for the 1% waiver on the fuel surcharge. The card gives a waiver of the yearly charge after spending Rs. 1.5 lakh, which is a significant amount given the card’s limited features.

To sum up, the ICICI Bank Coral Credit Card has a low charge but only a few features. This card might not be a good choice for you if you’re seeking for a card with large rewards. However, you might want to think about using the ICICI Coral Credit Card if you’re a novice seeking for a low-maintenance card to establish your credit history.

Eligibility Criteria For ICICI Bank Coral Credit Card

The requirements for applying for the ICICI Coral Credit Card:

• The minimum and maximum ages to apply for an ICICI credit card are 21 and 65, respectively.
• A consistent monthly income is required.
• A good credit rating. It should be an NRI or an Indian resident with a minimum score of 700.
• You must be an employee or self-employed person.

The documents required to apply for ICICI Coral Credit Card:

An ICICI Bank Coral Credit Card requires very little in the way of complicated paperwork. You’ll need these things:

• Two passport-size pictures and national identification cards with signatures
• Ration cards, power bills, and other forms of proof of address, such as PAN cards, Form 16s, and Income Tax Returns Statements, may be presented.
• Proof of income, job, or business information
• Last three months’ worth of pay stubs.

Terms And Conditions

The ICICI Coral Credit Card has the following terms and conditions:

• Late Payment Fees: Don’t worry if you forget to pay your credit card bill; just pay it later. However, you should be aware that in addition to the balance owed, there is a late payment fee, which is as follows.
• If the late payment is between INR 100 and INR 500, INR 100.
• Pay INR 500 if the amount is between INR 501 and 10,000 and INR 750 if it is more than 10,000.
• If the cardholder exceeds the card’s set limit, ICICI bank assesses an overlimit fee of 2.50% (minimum 500 INR) on the overlimit amount.
• Grace Period: The bank allows for an interest-free grace period of between 18 and 48 days.
• Credit and Cash Limit: The cardholder is informed of the credit and cash limits when they receive their cards, and they are also mentioned in their monthly bills.

How To Apply For An ICICI Bank Coral Credit Card?

The prospective cardholder must fulfil the fundamental eligibility standards established by the bank in this regard in order to apply for an ICICI Coral Credit Card. The factors include things like age, location, job, and income. The requirements could change depending on the card. The bank will assess the applicant’s profile based on his or her credit profile, payment history, etc. if the user meets the minimum requirements and the application moves on to the next round of screening.

The following steps explain how interested parties can apply for an ICICI Coral Credit Card online or in a nearby branch.

• Visit the official website of the ICICI bank.
• Select “Credit Cards” from the list of options under “Cards.”
• ‘ICICI Coral Credit Card’ can be found under the ‘Special Credit Card’ section.
• To apply now, select “Apply Now” from the card description.
• The page with the heading “Get your Credit Card in 4 Simple Steps” will be reached by website visitors.
• After entering the email address and PAN number, enter the mobile number.
• Enter the OTP number that was sent to the registered email address and mobile number.
• To finish the process, enter all the necessary information and upload the needed files.

ICICI Bank Coral Credit Card Application Status

You can check the status on the ICICI Bank website. The steps you must take are listed below.

• ‘Track Your Application Status’ should be selected.
• Your mobile number, birthdate, and application number should be entered.
• Select Send OTP.
• You’ll receive an OTP on your mobile device.
• Put the OTP in the appropriate space.
• The bottom will include a ‘Continue’ button.

ICICI Bank Coral Credit Card Limit

Your income and credit score mostly determine your credit limit, which determines how much you can shop. If you have a good credit score and a healthy income, ICICI Bank may be able to increase the Coral card’s credit limit for you. You must, however, be careful not to spend more than you can afford to repay on time. If you miss a card payment, your credit score may suffer. As a result, you should prioritize and stick to your card spending budget.

ICICI Bank Coral Credit Card Limit

Your bill, has it arrived? And you are unable to make the same payment? However, there are no problems; simply log in to your ICICI Bank net banking account and proceed to the credit card area to pay bills. Isn’t that easy? The Electronic Clearance Service, or ECS, is one of your other options for paying bills. The ECS allows you to set up automatic bill payment from the bank account of your choice. To avoid wasting money on late fees, interest, or even taxes, make sure to pay your bills on time.

ICICI Bank Coral Credit Card Statement

You can carefully review the statement to see whether the bank has made any errors in the transaction entries. Bring it to the bank’s attention if that is the case so that it can be immediately corrected. In addition to the transactions done on the card during a billing cycle, the statement can tell you the total dues, the minimum due, a summary of your reward points, and the payment due date. The reward points often lose their value two years after they were first accrued. Prior to the points’ actual expiration date, make sure to redeem them.

Cards Similar To The ICICI Bank Coral Credit Card

Credit Card	Annual Fee	Reward Rate	Main Benefits
ICICI Bank Coral Credit Card	Rs. 500	For every Rs. 100 spent, get up to 2 reward points.	Access to domestic and foreign lounges without charge annually. Movies on BookMyShow and Inox are 25% off. Under the milestone advantages of the card, up to 15,000 Reward Points may be earned annually.
SimplySave SBI Card	Rs. 499	For every 100 rupees spent, one reward point is earned. 10x Reward Points in department stores, the movies, restaurants and supermarkets.	N/A
HDFC MoneyBack Plus Credit Card	Rs. 500	Every rupee 150 spent offline earns you two Cash Points. On EMI transactions at retail locations, you get 5x Cash points. 10x Cash Points on Reliance Smart Store, Amazon, Big Basket, and Swiggy.	When you reach the spend milestone each year, you can receive gift certificates up to Rs. 2,000.
Axis Bank My Zone Credit Card	Rs. 500	For every Rs. 200 spent, you receive 4 reward points.	Subscription to SonyLiv is free. Free domestic lounge entry every three months

Comparisons: ICICI Bank Coral Credit Card Vs HDFC Moneyback Credit Card

Categories	ICICI Bank Coral Credit Card	HDFC Moneyback Credit Card
Joining Fees	Rs. 500	Rs. 500
Editor’s Rating	3	3.3
Key Features	Each anniversary year, ICICI Bank Rewards offers up to 10,000 PAYBACK Points. Free domestic airport lounge and domestic train lounge visits are available. Free movie tickets are available each month through www.bookmyshow.com’s Buy One Get One Free promotion. Through our Culinary Treats Programme, diners in over 2500 restaurants throughout India may save at least 15% on their dining expenses. Earn two Payback Points for every rupee you spend using your card (apart from petrol), and one Payback Point for every rupee you spend on utilities and insurance.	You will receive a welcome bonus of 500 Cash Points, which is only valid when you pay the membership cost. Spend Rs. 20,000 or more within the first 90 days to receive a waiver of the first-year membership cost. Accumulate and redeem reward points for cash back against credit card balances (100 points = Rs. 20). Spend Rs. 50,000 or more in the first year to receive a waiver of the renewal membership charge. For every Rs 150 paid, receive 2 reward points. Receive a gift voucher every quarter with a value of Rs. 500 for every Rs. 50,000 spent. Get gift cards valued up to Rs. 2,000 every year. Earn 4 reward points for every Rs 150 you spend online with the card when buying online. Customers can earn up to 500 Reward Points per statement cycle for online purchases under the 2X RP feature starting on July 15, 2020. Spend Rs 50,000 in a quarter to receive an E-Voucher worth Rs 500. Spend at least Rs. 50,000 in the year prior to the renewal date at any Indian petrol station, with a minimum transaction of Rs. 400 and a maximum CashBack of Rs. 250 every statement cycle, to renew membership for free. Report the loss of your HDFC Moneyback Credit Card right away to avoid being held responsible for any illegal transactions made with the Credit Card. Reward Level: The statement balance can be used to redeem collected Reward Points at the rate of 1 RP = Rs. 0.20. At the SmartBuy Rewards Portal, reward points can even be redeemed for travel perks like flight and hotel bookings and rewards catalogue: 1 CashPoint is equal to 0.25 Indian Rupees.
Editor’s Review	Pros Through the ICICI Bank Culinary Treats Programme, special dining deals are available. 1% of the gasoline surcharge for each fill-up Learn how using your ICICI Bank Coral Credit Card will save you Rs. 11,175 annually. Limitations On the price of buying movie tickets If you’re a frequent traveler, the offer of 1 gratis entry every quarter to certain airport lounges in India isn’t enough. No golf or coaching events	Positives If the lost card is reported right away, there is no liability. Using the card’s embedded EMV Chip technology, you can prevent fraud. Enjoy an interest-free period of up to 50 days starting on the date of purchase. Nominal interest rate revolving credit Cons There is a 2-year expiration date on the reward points. No free access to airport lounges 3.49 percent high interest rate

ICICI Bank Coral Credit Card Vs HDFC Millennia Credit Card

Categories	ICICI Bank Coral Credit Card	HDFC Millennia Credit Card
Joining Fees	Rs. 500	Rs. 1000
Editor’s Rating	3	4
Key Features	Each anniversary year, ICICI Bank Rewards offers up to 10,000 PAYBACK Points. Free domestic airport lounge and domestic train lounge visits are available. Free movie tickets are available each month through www.bookmyshow.com’s Buy One Get One Free promotion. Through our Culinary Treats Programme, diners in over 2500 restaurants throughout India may save at least 15% on their dining expenses. Earn two Payback Points for every rupee you spend using your card (apart from petrol), and one Payback Point for every rupee you spend on utilities and insurance.	When you pay your membership fee, you will only be eligible for the Welcome Benefit of 1000 CashPoints. Spend Rs. 1,00,000 or more during the first year to receive a waiver of the renewal membership charge. Earn 5% CashBack on every purchase with a monthly CashBack earning cap of Rs. 2,250. Earn 5% CashBack on purchases made through PayZapp, SmartBuy, and Amazon, Flipkart, Flight & Hotel Bookings (minimum transaction size of Rs. 2000). 2.5% CashBack on every online purchase All offline purchases and wallet reloads will earn 1% CashBack. 8 complimentary visits to domestic lounges each year Free domestic airport lounge access every year Discover the Good Food Trail Dining programme at upscale eateries in the best cities. Fuel transactions are exempt from the 1% fuel surcharge (with a minimum transaction of Rs. 400 and a maximum CashBack of Rs. 250 each statement cycle). From the date of purchase, benefit from a maximum of 50 days of interest-free time. Report the loss of your HDFC Bank Millennium Credit Card right away to avoid being held responsible for any illegal purchases made with the Credit Card. Reward Level: Please be aware that CashPoints will be used to redeem the CashBack. Redeeming against the balance on the statement: 1 CashPoint is equal to 1 Rupee. Redeeming rewards for travel-related services like flight and hotel reservations and the rewards catalogue at the SmartBuy Rewards Portal: 1 CashPoint equals 30 Rupees. Redeem CashPoints at the following exchange rate: 1 CashPoint = 0.30 Rupees.
Editor’s Review	Pros Through the ICICI Bank Culinary Treats Programme, special dining deals are available. 1% of the gasoline surcharge for each fill-up Learn how using your ICICI Bank Coral Credit Card will save you Rs. 11,175 annually. Limitations on the price of buying movie tickets If you’re a frequent traveler, the offer of 1 gratis entry every quarter to certain airport lounges in India isn’t enough. No golf or coaching events	Pros Take advantage of the free MasterCard, Diners Club, and Visa lounge access programme. The HDFC Bank Millennia Credit Card has contactless payment capabilities, enabling quick, easy, and safe payments at retail establishments. Revolving Credit is accessible with a low interest rate Drawbacks No golf or coaching events One year from the date of accumulation is the only time the Cash Points are valid. Interest rates are slightly higher than those of the other credit cards; they are 3.49% each month, or 41.88% annually.

ICICI Bank Coral Credit Card Customer Care Number

For assistance with client complaints and problems, ICICI Bank has a quick and effective client Care division. The ICICI Customer Care can be reached by:

• Visiting the ‘Complaint Form’ page on the ICICI Bank website
• Calling their customer service number, 1800-102-4242, from 9 am to 6 pm, Monday through Friday
• Writing to the Nodal Officer at the ICICI bank’s official website address
• PS: When contacting ICICI Customer Care, make sure to include your credit card number.

Conclusion

The ICICI Bank Coral Credit Card might be the best option for you if you’re a social person who enjoys blowing money on food and films. If the offer is used twice a month with this card, you can potentially save up to Rs 2,400 on cinema tickets, assuming that they cost Rs 400 each. On annual expenditures of Rs 3 Lacs, you can additionally save up to Rs 1,425 in cash incentives. In addition, the card also offers lounge access, making it a better choice than its rival, the ICICI Platinum Credit Card. With the ICICI Coral credit card, you may reduce your usual spending costs. Additionally, other advantages like the waiver of the fuel levy, meal discounts, annual fee waiver, etc., cannot be disregarded because they all make it even more sensible for you to try this card out once.

FAQs

Read More

Axis Bank Neo Credit Card	Axis Bank FreeCharge credit card
SBI Aurum Credit Card	SBI Card Pulse
HDFC MoneyBack Credit Card	Axis Bank Magnus Credit Card
Airtel Axis Bank Credit Card	IDFC First Wealth Credit Card
Axis Bank Vistara Signature Credit card	Indian Oil Axis Bank Credit Card