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 Reviews

    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and ICICI Bank is great in this product too. The services are good and they are responsive as well. They had not taken any hidden charges and the credit limit is perfect for me. There are rewards which can be redeemed.
      Was this review helpful? 0
      , thane
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      Using the ICICI bank Coral master credit card for past 1year. The customer service is good with Credit card department. I use this card for bill payments, dinning, shopping's and for other usages. I am not satisfied with the credit limit , but they have offered me loan on basis of credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      There could be more offers in the ICICI Bank credit card and the limit could also be more enhanced. The customer services are good. There could be great in the deals and other online features. There are normal charges for the card and the overall it is good.
      Was this review helpful? 0
      , greater noida
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with ICICI bank. They have offered coral card and 1.26lacks is the limit for that. I am using it for about 10 years still they have not increased the limit. I am satisfied with their rate of interest and fees and charges. My overall experience was good.
      Was this review helpful? 0
      , sonipat
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      My credit card process is with ICICI Bank and the bank is doing great on this process too. There are regular offers and the credit limit is perfect. The customer support team is also easy to connect with and they sort out the details on time and without any inconvenience.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My saving account is with ICICI bank . It was my salary account before now I have converted that to my saving account. They have offered RUBY card and the benefits are more or less as standard charter bank. They have to improve their customer service and responses because they kept me on hold for a long when I was enquiring.
      Was this review helpful? 0
      , sonipat
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Convenient for transaction"
      0.5 5.0/5 "Blown Away!"
      I have life time free credit card with ICICI, I have some reward points but still I didn't redeem it. I am not sure about the cash back offers I haven't tried it but its a good credit card. Interest rate is huge hence I didn't go head for the upgrade of my credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      i have been using ICICI bank rubyx credit card for 15 years and it has been a great experience with then . i have online payment option with the icici bank and i get good offers on my credit card . the customer service of ICICI BANK Credit Card department is great the resolve customer query in a given time time line and also they give equal acknowledgement to every single customer .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      Though ICICI Bank is good in the banking services, they need to improve on the credit card. There could be more offers and the credit limit could also be enhanced. It is a average experience when I compare the bank with HDFC Bank. The customer service is good.
      Was this review helpful? 0
      , gorakhpur
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I can say it was a good experience with ICICI bank ,very responsible representatives. Transaction part was also very fast, I use to get regular offers from ICICI ,I can say overall it was a good service from ICICI bank for my credit card service .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "AVERAGE SERVICE"
      0.5 2.5/5 "Just OK"
      It is not a good service ,for everything fuel, shopping they charge more . Also the representatives and customer service was also not helpful,I never get any offers from them . So I stopped using my ICICI credit card ,overall it was not an good experience with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "Good credit card"
      0.5 4.0/5 "Great!"
      I am yet to receive the card from ICICI, I have placed the request for the credit card i have submitted my documents they confirmed my verification was not done, also application was not processed. I tried reaching their customer care I did not get any news from them about my application.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "Credit card"
      0.5 1.0/5 "Really Bad"
      ICICI bank collected all the required documents from me at the time of submitting the application. Later they failed to respond. At the time of submitting the application they were really aggressive. Overall I am not happy with this credit card
      Was this review helpful? 0
      , secunderabad
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "Good card for free movie tickets"
      0.5 4.0/5 "Great!"
      Good customer service and auto upgrade of credit limit.benefits like 2 free movie tickets per month using book my show and also separately again on cinepolis is good.rewards are okay okay.advantageous if you have ICICI bank account, minimal annual fee applicable
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "Happy with the services"
      0.5 4.0/5 "Great!"
      ICICI Bank has also offered me a credit card and the bank is doing great on it. The deals are perfect and the bank sends me emails informing me about the same. The online banking is also good and I can make my payments on time. The transactions are always smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I get the benefits of Reward points, cash back offers and fuel surcharge waiver with ICICI bank platinum chip credit card. I am using the ICICI bank platinum chip card for past 1 year. I am happy with the credit limit. I pay the annual fee of Rs,500 towards this card.
      Was this review helpful? 0
      , panipat
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "Looking for better offer"
      0.5 4.0/5 "Great!"
      I do have ICICI credit card, they are good. They not giving any privilege offers to an existing customer. When I approached for Preapproved loan based on the credit card, they were rejected it. But my credit card limit is good around Rs.60,000.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Sep 20, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The banking services with ICICI is very good when it comes to Credit card service. When it is compared to other banks I feel that the fee and charges applied on my Coral credit card is quiet normal. The offers were good on some aspects, I was not provided with any reward points and cash back offers I am happy with the offers provided on my card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      ICICI gives me more reward points for credit card spent and basically for the fuel filling, I used to receive good points. I could redeem only into a voucher like sodexo, pizza hut etc. Credit limit which ICICI bank have provided me its good and fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for past two years, but so far I didn't get any reward points or any cash back from them and also they offered me lower credit limit, I have requested them to increase the limit but was no response from their end. I am very disappointed with such of response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
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    ICICI Bank Coral American Express Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

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