Annual : Spend 200,000, get 2,000 reward points. Further 100,000 spends earn 1,000 points, capped at 10,000.
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
Redeem Reward points for Vouchers
Redemption options : Gift Vouchers
Redemption fee : Rs. 99 + GST
Transfer partners : N/A
Complementary Benefits
Lounge access :
Domestic Lounge : 1 per Quarter
International Lounge : N/A
Railway Lounge : 1 per Quarter
Insurance Benefits :
Lost card liability : Upto Credit Limit
Personal accidental insurance : N/A
Air accidental insurance : N/A
Other Benefits :
Lounge Membership : N/A
Memberships Available With Cards : N/A
Spa Benefits : N/A
Golf Benefits :
Lessons : N/A
Games : N/A
Fees
Joining fees : 500
Annual fees : 500
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.5%
Fee reversal criteria : Spend 1,50,000 in a year
Eligibility
Minimum age : 21
Minimum ITR : 3,60,000
Minimum Salary : 25,000
ICICI Coral Credit Card Welcome Benefits
Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your ICICI Coral Credit Card.
Explore premium choices in travel, clothing, footwear, and shopping.
Your gateway to luxury and rewards begins with this exclusive welcome offer.
ICICI Coral Credit Card Reward Points/Cashback
The ICICI Coral Credit Card offers:
Movie and dining benefits with free movie tickets and dining discounts.
Reward rate of 2.5% on groceries, dining, movies, and department store spending.
Redemption options for gift vouchers or statement balance.
Complimentary travel memberships and airport lounge access.
Golf privileges and insurance coverage.
Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
Milestone rewards on annual spending.
No rewards on wallet transactions.
ICICI Coral Credit Card Reward Point Redemption
You can easily redeem your reward points with the ICICI Coral Credit Card:
Redemption Options: You can use your reward points for gift vouchers and statement cash.
Redemption Fee: There is no fee for redeeming your points.
Transfer Partners: The card does not offer any transfer partners.
Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.
Pros of ICICI Coral Credit Card
Attractive welcome benefits worth Rs. 5,000.
Access to domestic and international airport lounges.
Competitive reward rates on dining, groceries, and department store expenses.
Lucrative milestone rewards for high spenders.
Enjoy two complimentary movie tickets each month.
Cons of ICICI Coral Credit Card
No Fuel Rewards: The card does not provide rewards for fuel spending.
No International Lounge Access: Lacks access to international airport lounges.
Limited Insurance Benefits: May not offer extensive insurance coverage.
Redemption Fee: A fee is charged for reward point redemptions.
No Golf Benefits: No specific golf-related perks.
No Transfer Partners: Limited flexibility for reward point redemption.
ICICI Coral Credit Card Benefits
Lounge Access: Complimentary domestic and railway lounge visits.
Insurance Benefits: Protection against lost card up to the credit limit.
Travel Benefits: Airport lounge access and railway lounge visits.
Dining Benefits: Discounts at over 2,500 premium restaurants.
Entertainment Benefits: Movie ticket discounts.
Fee Waiver: Renewal fee waived for high spending.
Fuel Surcharge Waiver: 1% waiver at HPCL petrol stations.
ICICI Coral Credit Card Charges and Fee
Joining Fees: Rs. 500
Annual Fees: Rs. 500
Interest Rate: 3.40% per month (40.80% p.a.)
Late Payment Charges: Vary based on the outstanding balance.
Spend-Based Fee Waiver: Spend over Rs. 1,50,000 annually to waive the fees.
Rewards Redemption Fee: Rs. 99 per redemption request.
Foreign Currency Markup: 3.5%
Fuel Surcharge Waiver: 1% at HPCL petrol stations for transactions up to Rs. 4,000.
Cash Advance Charges: 2.5% of the transaction amount or a minimum fee of Rs. 300
Add-on Card Fee: Nil
Frequently Asked Questions
Q: How can I apply for the ICICI Coral Credit Card? A: You can apply for the ICICI Coral Credit Card online through the ICICI Bank website or by visiting an ICICI Bank branch.
Q: What is the eligibility criteria for this card? A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with ICICI Bank for the specific criteria.
Q: Can I get my annual fee waived? A: No, the annual fee is not eligible for waiver based on spending.
Q: How do I redeem reward points? A: You can redeem reward points for cashback or gift vouchers by contacting ICICI Bank customer care.