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  • ICICI Bank Coral Contactless Credit Card Reviews

    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      ICICI service is very transparent on credit card part. I am using Coral platinum credit card, I used to get monthly two movie tickets and they giving other offers like air lounge at airport. I used to get good rewards based on the transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Credit limit has to be improved"
      0.5 2.0/5 "Expected more"
      When I swipe my credit card for one time, I could convert amount into an EMI, but total out standing couldn't convert. However ICICI service is good, I used to get cash back but I am unable to use because I don't have pay back card. Credit limit is also low, I requested them to upgrade it but still not yet done.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 2.0/5 "Expected more"
      Credit limit offered by ICICI bank credit card is very less and the customer service is an average one . Response is also an average one and they need to improve in every aspects especially they have to work on the increase of credit limit....
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I do have ICICI bank credit card and am using from the last one year of time. Credit limit value is not much one and the offers, response are good one with them. They will extend the credit limit up to the usage of the customer.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      Having ICICI credit card for more than 6 years. I use net banking to do the credit card payment. I am happy with the credit limit, still they can increase the limit. I get benefits like reward points, cash back offers and other offers with this card. Overall I am happy using this card.
      Was this review helpful? 0
      , kakinada
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have the credit card with the ICICI bank and the services are nice with the ICICI bank. I got the things what I want from them and I been with them from the last one year of time. Customer service is quite nice with the ICICI bank, credit limit they have offered is 30k and its a l life time free credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Looking for the better features"
      0.5 3.0/5 "Satisfactory"
      ICICI was not willing to offer the limit I expect therefore, I would like to switch over to another bank credit card. Even I didn't get any offers expect some vouchers, even that is also not good. I knew ICICI has reward points programme but unable to redeem it. Even their customer service is some what avearge not that great.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      Holding ICICI bank Platinum chip visa credit card for past 6 months. I use this card for shopping, restaurants, for on-line shopping purposes. I also get benefits like reward points and the cash back offers with this card. Overall, I am happy using this ICICI platinum visa card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Looking for the better offer"
      0.5 4.0/5 "Great!"
      ICICI interest rate is high compared to other credit card, for EMI conversion ICICI is taking 13.75% of interest its very high. ICICI not giving any cash back in Amazon or any other online shopping website. ICICI credit limit is good, if its great if they increase the offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      ICICI credit card billing option is very good they are giving 45 days of time to make the payment. Grace period duration is good. But ICICI credit limit is not good and it is not sufficient and we don't have option to make payment from one card to one card, that has to be improved.
      Was this review helpful? 0
      , hosur
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank is also very good for the credit card services. They offered good features on the card and I have a lot of benefits if I use ICICI credit card. Reward points and cash back offers are default feature on the card. Moreover, their overall service is too good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good to Hold this card"
      0.5 4.0/5 "Great!"
      Specialty about my Ferrari Platinum credit card has good reward points compared to any other cards, I used to get points for every transactions. I think 1 points - 25 paise its good, this card help me on my needs. I am using this credit card for past two years I got many offers in movie tickets like buy one get one free along with that I used to get payback points, I could redeem for mobile recharge.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      For the past 4 months I hold ICICI Coral credit card. Also the reward points scheme is very much available on this card. I am very much happy with the credit limit which is allocated on my card. I use this card primarily for making payments like Rent, net , bill payment etc. Overall I am completely satisfied using ICICI Coral credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Nice features and services"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for a credit card and the services and response has been really good because the offers they provide on the card is useful and the credit limit is also good enough for me. Till date it has been a smooth sail from the offers to the statements.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Needs to be improved"
      0.5 2.0/5 "Expected more"
      The annual fee for the credit card is 499 for ICICI card. But the fee is depends on the usage, If I spend more amount within the period then the fee will be waived off for the year. I do not have cash back offers. Also the reward points are good for nothing, I am not able to redeem those reward points. I approached their customer service for the redeemption of reward points, I did not receive response from them. Also they used to provide some offer while availing the card, but the offer has certain limit of period. If we are not utilizing the offer in the period then it will be expired. This information is not been provided to me when I was taking a card. No one from the bank providing complete information to the customers. It would be good if the bank helps me to redeem all the reward points.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      ICICI fee and charges is best compared to SBI credit card, I am using ICICI Coral International credit card it has annual charges of Rs.500. But they giving special discounts on flight ticket, movie tickets, shopping malls etc and they provided insurance along with the credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Its convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI Platinum chip master card, I am using it for one year there is no charges for it, its a life time free credit card. They offered the credit limit of 80,000 its good. They used to give cash back for few shopping and I have tie up with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      ICICI giving best service on credit card, I am using this credit card for past one year, its a life time free credit card without any annual charges. My credit limit is low they offered only Rs.25,000, ICICI credit card bill is clear without any hidden charges.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Ferrari credit card, there was no charges for it. I used to get discounts on movie ticket, fuel surcharges etc. I have accumulated 5000 reward points, I could convert those points into voucher and do the shopping its really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
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    ICICI Bank Coral Contactless Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Your everyday shopping is just a tap away with the ICICI Bank Coral Contactless Credit Card. Make your world simpler and your payments easier with this card, which works based on the MasterCard contactless technology. With unlimited rewards, exceptional discounts and free offers, the ICICI Bank Coral Contactless Credit Card is an important value-add to your wallet. ICICI Bank provides secure transactions at retail outlets and customers can use their contactless card without any hassles. Earn 2X cash rewards with an ICICI Bank Coral Contactless Credit Card when you dine, shop for groceries or purchase at supermarkets. Complimentary domestic airport lounge access, entertainment and movie offers and dining discounts are just some of the excellent benefits offered on this card. Read on to know this card better!

    Benefits of an ICICI Coral Contactless Credit Card:

    ICICI Bank customers can enjoy the following benefits when they avail an ICICI Bank Coral Contactless Credit Card.

    Joining Benefits:

    As part of the welcome package, ICICI offers a complimentary Provogue tie for a value of Rs 999, which will be delivered to the customer within 30 days after the payment of the Joining Fees.

    PIN/Chip Security:

    Every ICICI Bank Coral Contactless Credit Card comes with an embedded chip that provides protection against duplication and counterfeit usage. An additional layer of security is provided by the PIN number, which has to be entered by customers at every PoS terminal. Online transactions do not require the PIN number but are protected by the MasterCard SecureCode gateway.

    Entertainment Benefits:

    BookMyShow offers buy 1 get 1 free deals on movie ticket bookings, during any day of the week. Customers can get up to two free tickets in a month for a value of Rs 250 for one ticket. The tickets will be given on a first-come-first-serve basis and also on the basis of the availability of stock.

    Culinary Treats Program:

    A gastronomical treat awaits ICICI card holders! Customers can enjoy dining benefits at top restaurants in India and get discounts on dining bills as part of the Culinary Treats Program. Card holders can enjoy up to 15% off on dining bills at over 800 partner restaurants. The ICICI Bank Culinary Treats mobile application can also be used to avail dining discounts.

    MasterCard Moments:

    The MasterCard Moments program offers exclusive dining deals, shopping and lifestyle privileges, golf packages, tailor made online shopping offers, exclusive MasterCard airport lounge access, travel, hotel accommodation and spa packages for ICICI Bank Coral Contactless Credit Card customers.

    Airport Lounge Access:

    ICICI Bank Coral Contactless Credit Card holders can enjoy access to MasterCard airport lounges at both international and domestic terminals, across India. Customers can get up to two complimentary visits for one quarter. After that, card holders can get any number of paid access, along with guests.

    Fuel Surcharge Waiver:

    ICICI offers a surcharge waiver of 2.5% on fuel transactions done using the ICICI Bank Coral Contactless Credit Card. This waiver is applicable only at HPCL petrol bunks and the payment must be made on ICICI Merchant Services swipe machines. This offer is applicable on maximum value of Rs 4000 per fuel transaction.

    Features of an ICICI Bank Coral Contactless Credit Card:

    Carrying a bouquet of features, the ICICI Bank Coral Contactless Credit Card is truly a shopper’s delight.

    Annual Fees:

    ICICI charges a joining fee of Rs 1000 and an annual fee of Rs 500 plus service tax from the second year of usage. The annual fee for the subsequent year will be waived off if the total spend on an ICICI Bank Coral Contactless Credit Card is over Rs 1, 25,000, for the previous year.

    MasterCard contactless:

    An ICICI Bank Coral Contactless Credit Card comes with built-in MasterCard contactless technology for making payments, Customers have to just tap the card at PoS terminals and finish their purchase transactions. A PIN number is not required for this type of transaction and every payment is protected by multi-tier security systems. At MasterCard Contactless enabled merchant outlets, customers have to just tap the card on the PoS machine, until they hear a beep or see a green light. A receipt is generated after that, which confirms the completion of the card transaction.

    Rewards Program:

    ICICI Bank offers one of the best loyalty programs in India - PAYBACK, through which rewards points can be earned on both online and offline purchases.

    • Customers can earn 4 PAYBACK points for every Rs 100 spent on groceries, dining and also at supermarkets.
    • 2 PAYBACK points can be earned for every Rs 100 spent on all other types of transactions.

    Accumulated rewards points can be redeemed for cash or for any gift from the online rewards catalogue. To redeem accrued points as cash, customers have to call the dedicated helpline and have the cash amount credited to their credit card account within seven working days. Card holders can initiate gift redemptions by calling the helpline or by placing a request online on the PAYBACK portal. The gift will be delivered within ten working days.

    • 1 PAYBACK point equals Rs. 0.25..

    Savings:

    The ICICI Bank Coral Contactless Credit Card offers maximum savings to customers, when they use their credit cards on a monthly basis. The following table illustrates the savings that can be done by an ICICI customer.

    Category Savings
    Experience Entertainment - Two free movie tickets Rs. 6000
    MasterCard / VISA Airport Lounge Access Rs 6400
    Culinary Treats Program - 15% off on dining bills Rs 3,600
    Cash Rewards - With a monthly purchase amount of Rs 5000 on grocery, at supermarkets and dining. Rs. 600
    Cash Rewards - With a monthly purchase amount of Rs 5000 - Other transactions Rs. 300
    Fuel Surcharge Waiver of 2.5% Rs. 1500
    Total Savings Rs. 18,400

    Eligibility:

    Salaried employees, salaried doctors, self-employed businessmen and professionals are eligible to apply for an ICICI Bank Coral Contactless Credit Card.

    Fees & Charges:

    Annual Fees

    NIL - First Year

    From the Second Year - Rs 500

    Joining Fees Rs 1000
    Add-on Card - Annual Fees NIL
    Overdue Interest on Extended Credit

    Monthly - 3.40%

    Annually - 40.80%

    Interest Rate - Cash Advance

    Monthly - 3.40%

    Annually - 40.80%

    Interest Rates - On Total Amount Due 1.25% to 3.50% per month
    Interest Free Period 18 to 48 days
    Transaction Fee - Cash Advance 2.5% of the advance amount or a minimum of Rs 300
    Transaction Fee - Dial-a-draft 3% of the draft amount or a minimum of Rs 300
    Auto-Debit return fee / Return of cheque 2% of the total amount due or a minimum of Rs 250.
    Request for Duplicate statements Rs 100
    Card Replacement Fee Rs 100
    Over limit Fee 2.5% of the over limits amount or a minimum of Rs 500

    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 Contactless Credit Card FAQs:

    1. What is the minimum amount due that has to be paid by ICICI Bank Coral Contactless Credit Card holders every month?

      Customers have to pay a minimum amount of 5% of the outstanding amount as per the credit card statement issued.

    2. What are the different modes of payments that can be used by ICICI Bank Coral Contactless Credit Card customers?

      Customers can use the following modes to make payments towards their outstanding credit card bills -

      • Cash Deposit at ICICI Branches
      • Cheque / Drafts - These can be dropped at the branch, ATM or at any Skypak drop box.
      • Internet Banking
      • Auto Debits
      • Click to Pay or NEFT Transactions

    3. What is a self-set limit on an ICICI Bank Coral Contactless Credit Card?

      Card holders can preset their monthly spending limit on their supplementary credit cards. Transactions above this limit will be automatically declined.

    4. How does the auto debit facility work on an ICICI credit card?

      Through the auto debit facility customers can set standing instructions to pay the minimum amount due or the total amount due on their ICICI Bank Coral Contactless Credit Cards directly from their bank accounts.

    5. Does an ICICI Bank Coral Contactless Credit Card carry the revolving credit facility?

      Yes, customers can use the revolving credit facility to pay the total amount due or only the minimum amount due or pay any amount between the two. The remaining amount will be carried forward to the next billing statements period.

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