Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank Coral American Express Credit Card

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    ICICI Bank Coral American Express Credit Card

    Add a sparkle to your wallet with the “Coral” credit card. Brighten up your everyday shopping with distinctive privileges offered on India’s only transparent credit card. With excellent joining benefits, 50% rewards on online transactions, dining discounts, entertainment benefits, lounge access, etc., the ICICI Bank Coral American Express Credit Card is a must have card for individuals looking to get the best out of life. ICICI customers can enjoy a bouquet of travel and dining privileges specially offered by American Express, when they globe trot frequently. The card also carries a powerful PAYBACK rewards program, with an exceptional rewards catalogue available for redemption of rewards points.

    Benefits of an ICICI Bank Coral American Express Credit Card:

    The ICICI Bank Coral American Express Credit Card offers amazing benefits to customers along with outstanding deals and offers.

    Joining Benefits:

    As a welcome offer, ICICI Bank offers a Provogue tie to new customers procuring the ICICI Bank Coral American Express Credit Card.

    Annual Fee Reversal:

    After the completion of an anniversary year, if the total spend on retail purchases is Rs. 1, 25,000 or above, then the annual fees for the following year will be reversed by ICICI Bank.

    Secure Transactions:

    Every purchase transaction done with an ICICI Bank Coral American Express Credit Card is safe and secure as the card comes with an embedded microchip and also requires the PIN number to be entered for PoS transactions. Online purchases are protected by 3D Secure - American Express SafeKey and Verified by Visa (VbV). These extra safety measures safeguard the card against counterfeit, fraud and duplication, while performing various transactions.

    Save on Fuel:

    ICICI Bank Coral American Express Credit Card holders can get a surcharge waiver of 2.5% on fuel spends with a maximum purchase amount of Rs. 4000 at HPCL petrol bunks.

    Features of an ICICI Bank Coral American Express Credit Card:

    American Express Privileges:

    American Express ezeClick -Introduced by the American Express network, the American Express ezeClick is a secure online payment system for Coral card holders. Customers have to just enter a single user ID when they make online payments and do not have to enter all the card details to complete a transaction. Protected by American Express Safekey, Express ezeClick simplifies the online purchase process hugely for users and also provides a secure platform to transact.

    Lounge Access - ICICI Bank Coral American Express Credit Card members can get up to eight complimentary lounge access at various airports across India. Any visits above that limit will be charged by the respective airport lounge authorities.

    American Express Selects - American Express Selects offers some of the best dining, entertainment, travel and shopping deals from across the globe to ICICI Bank Coral American Express Credit Card customers. Card holders can enjoy special offers, preferential rates and other exciting discounts from fine dining restaurants and hotels from around the world.

    Shopping Connection - Bringing the world to your doorstep! Customers can shop at top European and American online shopping sites and the product delivered at their doorstep. Card holders have to register with any one of the ICICI’s shipping partners to enjoy savings and convenient shipping solutions. ICICI also waives off the initial set-up fee for card holders.

    The following offers from shipping partners are available to customers -

    MyUS.com - Customers can get discounts on shipping for up to 30% along with a free two year membership.

    eshopex -Registration gets customers a complimentary $15 Amazon gift card. With no annual fees, card holders can get two months’ worth free storage and 10% to 30% savings on shipping.

    bongo - Customers can save 50% on the first shipment and 20% for every shipment after that.

    Global Dining Program:

    This program from American Express offers exciting discounts on dining from top restaurants across the world. ICICI Bank Coral American Express Credit Card holders can get special offers from various restaurants inclusive of 20% discount on dining bills, complimentary desserts, a complimentary bottle of wine and a complimentary appetizer from the restaurant’s menu card.

    PAYBACK Rewards Program:

    ICICI Bank offers the PAYBACK rewards program to ICICI Bank Coral American Express Credit Card holders with a bouquet of rewards and redemption options. Customers can earn PAYBACK points on every single purchase transaction. Extra PAYBACK points can be got when transactions are done at PAYBACK Partner Brands. The PAYBACK rewards program includes partners like HPCL, Big Bazaar, MakeMyTrip.com and many more, along with 50 other online partners.

    • Card holders can earn 4 PAYBACK rewards points for every Rs. 100 spent on groceries, dining and for purchases done at supermarkets.
    • 3 PAYBACK rewards points can be got for every Rs. 100 spent on online purchases.
    • 2 PAYBACK rewards points can be got for every Rs. 100 spent on all other purchases.
    • Redemptions can be done from over 600 rewards available in the PAYBACK catalogue, online or at a PAYBACK Partner Brand store
    ICICI Culinary Treats Program:

    ICICI Bank Coral American Express Credit Card members can enjoy exceptional dining privileges and save on their dining bills with discount of up to 15% at select restaurants, worldwide.

    Entertainment Offers:

    Card holders can get 1 ticket free for every movie ticket bought on BookMyShow.com using the ICICI Bank Coral American Express Credit Card. Customers can get up to two complimentary tickets in a month, with one ticket priced up to Rs 250.

    Eligibility:

    Salaried employees, self-employed businessmen, salaried doctors and professionals can easily qualify for an ICICI Bank Coral American Express Credit Card.

    Fees & Charges:

    Annual Fees

    NIL - First Year

    From the Second Year - Rs 500 plus service tax

    Joining Fees Rs 1250
    Add-on Card - Annual Fees NIL
    Overdue Interest on Extended Credit

    Monthly - 3.40%

    Annually - 40.80%

    Interest Rates - On Total Amount Due 1.25% to 3.50% per month
    Interest Rate - Cash Advance

    Monthly - 3.40%

    Annually - 40.80%

    Transaction Fee - Dial-a-draft 3% of the draft amount or a minimum of Rs 300
    Interest Free Period 18 to 48 days
    Transaction Fee - Cash Advance 2.5% of the advance amount or a minimum of Rs 300
    Card Replacement Fee Rs 100
    Auto-Debit return fee / Return of cheque 2% of the total amount due or a minimum of Rs 250.
    Over limit Fee 2.5% of the over limits amount or a minimum of Rs 500
    Request for Duplicate statements Rs 100
    Late Payment Charges:
    Total Amount Due Charges for Late Payments
    Below Rs 100 NIL
    Between Rs 100 and Rs 500 Rs 100
    Between Rs 500 and Rs 10000 Rs 500
    Between Rs 10000 and Rs 20000 Rs 600
    Above Rs 20000 Rs 700

    ICICI Coral American Express Credit Card FAQs:

    1. What is the minimum amount due that has to be paid by an ICICI Bank Coral American Express Credit Card holder every month?

      ICICI Bank Coral American Express Credit Card holders are required to pay a minimum amount of 5% of the total amount due as in mentioned in the credit card statement.

    2. Does an ICICI Bank Coral American Express Credit Card carry the self-set limit feature?

      Yes, the ICICI Bank Coral American Express Credit Card offers the self-set limit feature where customers can determine their monthly spending limit for their add-on credit cards. Any transaction amount above this limit will be declined by ICICI Bank.

    3. How long does it take for an ICICI Bank Coral American Express Credit Card application to be processed by ICICI Bank?

      ICICI Bank might take up to 21 days to process an ICICI Bank Coral American Express Credit Card application.

    4. Can ICICI Bank Coral American Express Credit Card customers use the auto debit facility?

      ICICI Bank Coral American Express Credit Card holders can avail the auto debit facility and set standing instructions to make bill payments towards the minimum amount that is due or the total amount pending on their cards, from their savings accounts.

    5. Can ICICI Bank Coral American Express Credit Card holders keep their credit cards if they immigrate abroad?

      No, ICICI Bank credit cards are generally issued to residents of India and card holders have to surrender their cards before they emigrate.

    ICICI Bank Coral American Express Credit Card Reviews

    • ICICI Bank Credit Card
      "IVR should be improved"
      0.5 3.0/5 "Satisfactory"
      I am not using ICICI credit card frequently because I cant use the card for the online shopping. Because my contact number was not updated. They don't have option to update the contact information through netbanking. I should visit the bank only. Even their phone banking is not upto the mark, IVR number is not reachable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good limit with them"
      0.5 5.0/5 "Blown Away!"
      I recently got a Credit Card from ICICI and the experience with them has been good. The process for applying the card was very simple and it didn't involve huge documentation. Apart from this the Credit Limit offered to me also is pretty good of Rs.1 Lakh.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services & benefits"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is overall good and there are no hassles in banking with them. I hold a credit card and the card is a life time free card. The credit limit is good and it is worth holding this card because I get back a lot of rewards for the amount I spend on.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank credit card can be accessed any where and there are no hidden charges. It has been a good experience and there is no inconvenience faced till date. The credit limit is good and the bank updates me with the necessary details as and when in need.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Platinum credit card"
      0.5 4.0/5 "Great!"
      I am holding a platinum credit card with ICICI bank. I used to get reward points.I have redeemed my points to buy products from the ICICI website. The customer service and response with the bank is good. the annual charge is 500 rupees.The application is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Very good services & offers"
      0.5 5.0/5 "Blown Away!"
      I am getting pretty good offers on the credit card of ICICI Bank. I get the movie tickets and rewards. There is a annual fee for the card and the bank is excellent in the customer services as well. I can connect with them easily and the credit limit is also good.
      Was this review helpful? 0
      , panchkula
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the ICICI bank coral credit card for more than 12years. The customer support is good with the Credit card department. The offers are limited with this card still it is good card to use. I don't have offers in amazon and flip kart with ICICI bank. I am satisfied with the credit limit. It would be great if they can increase the credit limit with this card.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides good services on credit card when compared to all other credit cards. An annual fee of Rs 500 has to be paid every year in this credit card. I am using this credit card from last 3 years, i get good offers like cash back and reward points. I use this credit card for shopping purpose and i am also fine with the credit limit.
      Was this review helpful? 0
      , jhajjar
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Excellent customer care serice"
      0.5 4.5/5 "Excellent!"
      I am having the ICICI bank credit card and am using it from the last one year of time, I would like to say that the customer service is good one with the ICICI bank credit card, also I really dont have any issues with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I have taken a credit card with ICICI bank.I am happy with the limit given to me ,its very convenient to use but the only problem is i don't feel its secured banking with ICICI as i get multiple fake calls.Net banking is very comfortable to use to make payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have been banking with ICICI bank for more than 6 years.The limit on the card is 36,000 is very low ,not happy with the limit given to me.I don't get any offers for shopping online or offline.I pay my card bills through net banking very month.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Satisfied with the services"
      0.5 4.5/5 "Excellent!"
      I bank with ICICI Bank for the credit card and the banking process is good. The online banking is pretty convenient to track my card transactions and when ever I use the card there are no hassles. The offers are good and the customer services are also supportive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Good repayment option"
      0.5 5.0/5 "Blown Away!"
      This is the best Credit Card I have, the credit limit is good to start off. The Banking service of the Bank is also pretty good, they provide you with good repayment option too. The Banks provides you good customer services too. Their website is also pretty good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Using the ICICI bank coral Visa Credit card for past Two years. I use this card for all kind of purchases. I got the credit limit of Rs,1,15,000 towards this card. I don't pay any annual fee to this card and I am satisfied with the credit limit and it is good car d to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Looking for better service"
      0.5 1.0/5 "Really Bad"
      When my ICICI credit card got expired there was no response from their end, When I reach their customer care, they were placing my call on hold more than 15 to 20 minutes. but finally I didn't get solution on my queries, always phone banking people used to tell me to visit to the bank. Finally I stopped using their card, they need to improve on the customer care service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and it is a smooth process with the ICICI Bank credit card. The customer services are easy to reach too and they are supportive as well. The limit and the benefits are overall satisfactory. Till date I have no issues.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.the limit on the card is one lakh.I do get offers for shopping online sited and cashback and discounts from various outlets.I am happy banking with them.I earn reward points for every purchase and the points gets transferred to my payback account.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Platinum with ICICI"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum credit card with ICICI bank. My credit card limit is 20000 as i am not satisfied with the limit. I get discounts and cash backs on fuel stations. They provide reward points.Mobile banking with the bank is more comfortable. Good card with ICICI bank.
      Was this review helpful? 0
      , anuppur
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card with ICICI bank.The limit on the card is 60,000,happy with the limit on the card as i am not planning to upgrade.I make payment through NEFT transfer as its very quick and fast.I do get offers for shopping offline and online.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Better"
      0.5 2.0/5 "Expected more"
      I am having the ICICI bank credit card and the credit limit was around 1.8 lakh Rupees, also the customer service was so and so like I would say its an average one for me, also they have to work on it to get improved on the aspects.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 20, 2017
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