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

    With the ICICI Bank Coral Credit Card you can earn up to 10,000 payback points every year. You also enjoy complimentary access to the airport and railway lounges and movie ticket offers. Also save at least 15% at more than 2500 restaurants in India.

    The Gemstone Collection launched by ICICI Bank offers a range of premium credit cards. ICICI Bank Coral Credit Card is one of the five variants of ICICI credit cards available as part of the series. The card is modelled to provide a number of exclusive deals and offers to cardholders.

    Features and Benefits of ICICI Bank Coral Credit Card

    Rewards on PAYBACK Points

    • Transactions worth Rs.2 lakh are awarded 2,000 points under the ICICI Bank Milestone Rewards program. Post this mark, 1,000 points will be given for transactions which are above Rs.1 lakh during an anniversary year.
    • The upper limit on PAYBACK Points is 10,000 per annum.
    • A cardholder can get 2 PAYBACK points on every purchase of Rs.100. This offer is valid for payments excluding fuel.
    • One can obtain 1 PAYBACK Point on payments for utilities and insurance.

    Offers on movie tickets

    • A discount of 25% is offered on booking movie tickets with BookMyShow and Inox.
    • One can obtain up to 2 complimentary tickets worth Rs.400 every month
    • Tickets are handed out based on the availability.

    ICICI Culinary Treats Programme

    • Cardholders can receive at least a discount of 15% while dining at over 2,500 restaurants across 12 cities in our country.

    Exclusive access to Airport and Railway lounges

    • Every quarter the credit cards allows a user to gain one complimentary access to select domestic airport lounges or railway lounges.
    • The complimentary lounge access can be availed only by the main cardholder.

    Secured transactions

    • The Coral Credit Card is modelled with a microchip which acts as an added protection against malicious use of the card.
    • A user is required to enter the Personal Identification Number (PIN) for transactions on card swipe machines.
    • In case of online purchases, one does not need to enter the PIN.
    • In order to avail 3D Secure, a cardholder must register their card through the official ICICI bank website.

    Waiver on fuel surcharges

    • A user of the Coral Credit Card can get a waiver of 1% on fuel surcharges. This can be availed at HPCL outlets for a maximum transaction of Rs.4,000.
    • The waiver is applicable on card payments made through ICICI Merchant Services’ card swipe machines.

    Fees and Charges linked to the ICICI Bank Coral Credit Card

    The following table indicates the fees that are associated with the credit card:

    Type of charges Size of charges
    Joining Fee Rs.500
    Annual Fee

    First year - Nil

    Second year onwards - Rs.500

    Add-on fee Nil
    Minimum card transactions needed for reversal of Annual Fee Rs.1,50,000

    Savings on ICICI Bank Coral Credit Card

    The table given below shows the estimated amount of savings that a cardholder can earn in a year:

    Annual card transactions of Rs.3,60,000 Savings earned
    24 free movie tickets Rs.2,400
    15% discounts on dining through ‘Culinary Treats’ Rs.3,600
    Rewards on transactions worth Rs.3,00,000 per year Rs.1,425
    Rewards on achieving credit card Milestones Rs.750
    Complimentary Airport Lounge access Rs.4,000
    1% waiver on fuel surcharge Rs.600
    Complimentary access to Railway Lounge Rs.2,000
    Estimated savings Rs.11,175

    How to Apply for an ICICI Bank Coral Credit Card?

    The steps to apply for an ICICI Bank Coral Credit Card are mentioned below:

    Step 1: Visit the official website of ICICI Bank.

    Step 2: Click on the ‘Cards’ tab on the homepage.

    Step 3: Click on the ‘Credit Cards’ option.

    Step 4: Choose ICICI Coral Credit Card from the list of cards mentioned.

    Step 5: Click on the ‘Apply now’ option.

    Step 6: Fill in your details in the application form.

    Eligibility and Documentation Required to Avail ICICI Bank Coral Credit Card

    • The primary card holder must be above 23 years of age.
    • The supplementary cardholder must be above 18 years of age.
    • The applicant must submit their Permanent Account Number along with an identity proof and address proof.
    • The net income of the primary cardholder must be above Rs.5 lakh.

    How To Redeem ICICI Bank Coral Credit Card Rewards

    • Gifts - After accumulating reward points, you can check your balance by logging into your account on the ICICI Bank website. There is an option to redeem your points. You will be directed to the PAYBACK website where you can choose from a range of products according to the points you have.
    • Shopping - PAYBACK has partnered with stores like Big Bazaar, Central, Pantaloons, and others. Ask to use your PAYBACK points and swipe your PAYBACK card to redeem your points.
    • Shopping online - You can shop online at any of the partnered websites like,, and more. Under payment option, select 'PAYBACK points' and enter your details to redeem your points.
    • Cash - You can redeem your points for cash equivalent to Rs. 0.25 per point. Call the dedicated PAYBACK number and the amount will be credited to your credit card account within 7 working days. Cash back can be used to pay off outstanding balances, thus reducing your total amount due.

    FAQs on ICICI Bank Coral Credit Card

    1. How do I pay my credit card bill?

      You can drop off a cheque at any of the ICICI Bank branches and ATMs in the ‘drop box’ facility. You can also pay your credit card bill via internet banking, auto-debit facility, and customer care.

    2. How long does it take to get a credit card after applying for it?

      The process of issuing a new credit card can take up to 21 working days.

    3. I lost my credit card, how do I replace it?

      Losing your credit card could possibly increase your risk of credit card fraud and duplication. Call the ICICI Bank Customer Care Centre immediately to block the card. A new card will be delivered to you within 7 days. The card replacement fee is Rs.100. This process is also applicable for damaged cards.

    4. How can I protect myself against credit card fraud?

      Sign on the back of the card when you receive it. Change your PIN frequently. Don’t leave your receipts behind at an ATM, even if the transaction was declined. Don’t dispose of credit card statements and documents without shredding them. Do not give out your credit card details over the phone unless you made the call. No customer care representative requires your PIN number. Enter your TPIN or ATM PIN only on the IVR (Interactive Voice Response). Make an effort to memorise your PIN number, do not write it down or share it with anyone. Check your monthly statements to make sure all charges are correct. In case your card is stolen or lost, report it immediately to customer care and have it blocked. You can also avail insurance for the credit card.

    5. How do I avail of the fuel surcharge waiver on ICICI Bank Coral Credit Card?

      The offer is available at all HPCL petrol pumps. The maximum amount per transaction is Rs.4,000 for a waiver of 1% on fuel surcharge. The payment should be made by swiping the card on the ICICI Merchant Services swipe machines only.

    6. How do I avail discounts at restaurants using the ICICI Bank Coral Credit Card?

      To avail any discounts offered, please present your ICICI Bank Coral Credit Card while setting the bill.

    7. Am I required to carry any documents to access the domestic airport lounge for free?

      You need your ICICI Bank Coral Visa Credit Card and boarding pass to enjoy the domestic airport lounge twice in a month for free.

    8. What is the joining fee for the ICICI Bank Coral Credit Card?

      The joining fee for the ICICI Bank Coral Credit Card is Rs.500.


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