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
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I earlier held a credit card with ICICI Bank and as long as I used it, there were no issues. I received good services. The offers were always on and the statements was proper too. In all there were no issues as such on the charges as well. Overall a nice experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 25, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum chip card for more than 1 year. I get reward points, cash back offers, movie tickets booking with this card. The reward points are very less with this card , it would be great if they can provide more reward points while using this chip card. The rate of interest is high when compared with others. The customer service need improvement with ICICI bank. I am satisfied with the credit limit.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      The services at ICICI Bank has been up to the mark. There has not been any kind of inconvenience in using the credit card. I am not used the card much though, I make my payments as and when I use the card. The limit on the card is good and it is hassle free.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Good deals and services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of ICICI Bank and the billing cycle is very much normal. The statements are sent to me on time always so I am able to make my payment as well on time. There are always new offers and the credit limit is also to my satisfaction. In all I did not face any hassle with ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      ICICI Bank has offered me a credit card as well and the offers on the card are very much realistic. I used to get a lot of deals online and there are EMI options as well. The charges are normal and the bank has offered me a good credit limit. Furthermore, I have no issues with the statements too.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and I am happy with the offers the bank provides me. There are a lot of cash back deals and the points are also redeemable. The statements are clear and the billing cycle is also comfortable for me. Overall no hassles.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 23, 2017
    • ICICI Bank Credit Card
      "Very good benefits"
      0.5 4.5/5 "Excellent!"
      The offers on the credit card is good and the bank has also given me decent credit limit. The customer services and response has been perfect with ICICI Bank. I get a lot of rewards on all my transactions and the points can be redeemed online too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 23, 2017
    • ICICI Bank Credit Card
      "High charges"
      0.5 4.0/5 "Great!"
      ICICI Bank needs an overall improvement in the customer services and the credit card deals. The credit limit is also not up to the mark. I was offered a limit of around 63k online and the worst of all is the bank is very high on the annual fee and other charges too.
      Was this review helpful? 0
      , indore
      Reviewed on Jul 23, 2017
    • ICICI Bank Credit Card
      "Need improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI executive came to my place thrice and collected my documents to process my credit card but after that they haven't gave any response in concern to my credit card application. The customer service and the response need to be improved with ICICI bank. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jul 17, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      ICICI provides reward points on my credit card. I am using ICICI card which is a chargeable one. I do not have any accounts with the bank but I got only credit card. The services are good and the bank quoted good credit limit as well. Also I am getting cash back offers.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.5/5 "Excellent!"
      I use credit card of ICICI bank for the past one year. The credit limit is pretty good and I use to make the payment before 10 days so I do not default in making the payments. The customer service is also good and I am quite satisfied with their service too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The credit card experience is good and there are a good of offers for me. Axis bank has been doing good and they are very much proactive in the services. There has not been issues while accessing my card the credit limit they have offered is one lakhs and I am holding this card for about a year now
      Was this review helpful? 0
      , hisar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Its a life time free credit card.I use this card with ICICI bank for long time life 15 years Even the customer service is good with ICICI bank there are some offers but I don't check all that.and they have given the grace period of payment of 45 days.
      Was this review helpful? 1
      , valsad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I applied for the credit card with ICICI bank and they provided the card as a life time free card. The credit limit is quite good as per my requirement. And I am happy with the credit card. It is more comfortable for my usage and there is no issues at all.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Satifactory service"
      0.5 3.0/5 "Satisfactory"
      The first and foremost reason the service is not good with this card they have so much charges if I use this card and the credit limit is also not good, they have just offered 20000 rupees as limit which is not satisfied at all and its chargeable card 299/- and at some places if they don't have ICICI machine there by they dont accept ICICI credit cards too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Actually, ICICI bank provides offers more often. They offered credit cards too. The bank is good in providing credit limit because they provided sufficient limit on my card. Once they shifted my account into privileged category, I did not receive any offers from the bank. Previously, I used to get more offers frequently.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Easy to avail ICICI credit card"
      0.5 4.0/5 "Great!"
      I don't get any waiver on my ICICI credit card for the annual fee, but in CITI if I swipe my credit card for Rs.30k they give a waiver on annual charges, that is the draw back. But ICICI customer service is good, I have ICICI customer care mobile number, I could reach their executive they help on queries. ICICI credit card have petrol surcharges option, but I can't utilize the same at all petrol bunks.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 4.0/5 "Great!"
      I have EMI credit card with ICICI bank. The limit offered by the bank is good enough. I am using this card on daily basis. Even I have credit cards with other bank. I am getting reward points on every usage and the services of ICICI is good for the credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from ICICI bank. This is a chargeable card. I am very convenient with the bank in using the card. I have reward points and cash back offers on my card. Till date, I do not have any kind of issues with the bank at any point of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "No offers for credit card user"
      0.5 3.0/5 "Satisfactory"
      I cant redeem my points easily in ICICI, there is no online options. So far I didn't get any cash backs its not upto the mark. I have been using it around two years. Their credit limit is nominal but they asked me to upgrade it but not interested to continue with them.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 11, 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

    Overview:

    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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