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

    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using coral credit card, It was very good for shopping purpose. I could convert the reward points ICICI service is really good, I download my statements online regular soft copy to check. Based on the salary account they have offered me this credit card and the limit they have offered me is 60000 approximately
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      Holding a ICICI bank Coral card for past 2 years. The benefits like movie tickets from Book my show, reward points and the cash back offers are available with this card. I am satisfied with the credit limit and happy with the ICICI bank service. The rate of interest is nominal with ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      It has been a good experience till date on my credit card with ICICI Bank. This bank is good in responding to me and also provide me the best of offers and they are very much transparent when it comes to statement billing and the limit they have offered me is 60000 rupees and this is a life time free credit card.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Higher Fees on Missing Due Date"
      0.5 5.0/5 "Blown Away!"
      I have credit card from past one year. i pay my all dues timely but in one month i have misunderstanding that if i have maintain minimum due balance then they will auto debit that amount . i am wrong here bank need full time always if you subscribe full payment for autopay .i call to customer care and explain my query but then said that it is your falt.i said that it is my first mistake and i will never do please refund . i do due to misunderstanding and difference between full and minimum is only 100 rupee. they do not want to do anything for me.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "GOOD EXPERIENCE"
      0.5 4.0/5 "Great!"
      My experience with ICICI bank credit card was good the reason being, infact this was my first card followed by which I had taken HDFC. I am very much comfortable using this ICICI Bank credit card. There is no problem with the way my card was processed.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      ICICI gave me coral credit card, so far I didn't get offers from them. Whenever I do any transactions or any shopping I am getting reward points, but I didn't redeem it. Some time I get cash back on shoppings, especially during festival season.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I have taken ICICI Airmiles credit card, Whenever I book any flight they gives good point, I could redeem next time. Even they are giving good reward points at mybook show for the movie tickets, I can utilize the benefits. ICICI bills are also very transparent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Nice Experience "
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has also offered me a credit card and I am very much pleased in using it. The bank has offered me a limit which is more than satisfactory. The customer services are also good. They are on time to send me my statements and I get intimated of all the transactions I do.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      As of now, everything is going good with ICICI credit card. I am not happy with the bank as the credit limit is not good. But they told me that they would increase the limit in a year. I am using this card for more than a year, but still it is not increased. But then I do not have any issues with the bank in using the card.
      Was this review helpful? 0
      , indore
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      My ICICI credit card is basically a life time free credit card where we can purchase anything using this credit card . No issues with this card no charges or any other issues as well. I had been using this card about a couple of years. Name of the ICICI credit card is Platinum fee credit card I did not get any offers on this card till date
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI bank coral credit card from the last three to four years of time. Their service aspects are just okay, but their net banking services are really good. Customer service is fine with them , the credit limit is also a lesser one. I have contacted them so many time to enhance the limit but they have not so I have opted other card with a higher limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Improve the customer service"
      0.5 2.0/5 "Expected more"
      ICICI credit card is quite trouble some because their Customer service was not that great, they were unable to understand the customer needs and they dont have patience to listen to the customer. especially when it comes to credit card . The issues were resolved but I was not aware of the bank norms it is their duty to make the customer understand about the bank norms . Anyways, I had closed the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Pretty Good to Use"
      0.5 4.5/5 "Excellent!"
      The one I hold is a life time free card. Seven months ago, I had taken a card from ICICI bank. Though I have no savings account with the bank, they offered a free credit card. I am not sure about my credit limit but then I spend 14000 in every month. The bank provides reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      In the process of getting my loan through from ICICI Bank. I was told that I would received a credit card as complimentary. The executive collected my documents as well. The process has crossed ten days now and till now I have not got any card from them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      Amongst all the other credit cards I use, ICICI bank is the best. The offers on the card is perfect and I am also informed about it on a regular basis. The credit limit is perfect and the card can also be a accessed all over. The interest rate and charges are very much normal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Suitable only high profile people"
      0.5 2.0/5 "Expected more"
      I took ICICI credit card based on HDFC credit card transaction, I have submitted HDFC credit card bills to get ICICI credit card. The process got delay, but they are giving pay back points and free movie tickets. However I am not satisfied with ICICI credit limit of Rs.15,000 its low.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I got the ICICI bank platinum chip card 2 months ago.The reward points, cash back offers are available with this card. But I never used it so far. The rate of interest is as per the market with this card. The customer service is good with ICICI bank. I am satisfied using ICICI bank Platinum chip credit card,
      Was this review helpful? 0
      , agra
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Good overall"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of ICICI Bank and it is overall good. The process is good if I would to convert my purchases to an EMI, it is very much convenient to do so. There are good offers as well and the limit is okay. I am happy that there are no hassles in banking with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Customer friendly"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank credit card is very much customer friendly it is hassle free process, I did not face any issues with them till date. I pay the amount and it will get the credited on time and there are no issues with this card. They are giving offers on online stores for example mobile online shopping they give some cash back too.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is better on the credit card offers. The bank is also responsive when ever I reach out to them and they have a very decent credit limit. The deals are good online and the bank has a convenient billing system too. There a lot of other benefits too.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Aug 16, 2017
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    ICICI Bank Coral Visa Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Coral Visa Card Overview:

    An ICICI Bank Coral VISA Credit Card is issued by ICICI Bank under the Gemstone Collection which aspires to provide unique features as rare as a gemstone. This collection is powered by ICICI’s exclusive lifestyle privileges. The ICICI Bank Coral Credit Card offers unlimited cash rewards every day and everywhere.

    Features and Benefits of ICICI Bank Coral Visa Credit Card:

    • Welcome gift - complimentary Provogue tie worth Rs. 999.
    • Microchip cards - Newly issued cards are embedded with a microchip which provides an additional layer of security in the form of a Personal identification Number (PIN). This provides additional security against counterfeiting and duplication.
    • 2x cash rewards at supermarkets, on groceries and dining.
    • Buy one get one free movie ticket offer on Bookmyshow. Avail up to 2 tickets per month up to the value of Rs. 250 per ticket.
    • 2 complimentary domestic airport lounge visits every quarter.
    • Culinary Treats program offers a minimum 15% savings on dining bills at over 800 restaurants across India.
    • Enjoy a waiver of 2.5% on fuel surcharge on a maximum spend of Rs. 4,000 per transaction at any HPCL pump.
    • Spend Rs. 125,000 in the first year, and enjoy the annual fee waived.
    • Earn PAYBACK points and redeem it for cash or gifts of your choice. Earn 4 points on every Rs. 100 spent on dining, supermarkets and groceries. Earn 2 points for Rs. 100 on other transactions.

    Eligibility and documentation:

    Eligibility for ICICI Bank Coral VISA Credit Card is:
    • Salaried individuals who are earning a minimum of Rs. 45,000 per month.
    • Self-employed earning a minimum of Rs 5.4 lakhs in the last IT return filed.
    • Minimum age limit is:
    • Primary card holder - Minimum 23 years.
    • Add-on card holder - Minimum 18 years.
    The documents required to apply for ICICI Bank Coral VISA Credit Card is:
    • Address proof
    • ID Proof
    • PAN card
    • Income proof
    • Salaried Individual - Latest 2 months’ salary slips
    • Self-employed businessmen/professionals - Latest IT returns
    • 1 photograph

    Charges and Interest:

    • Joining fee of Rs. 1,000 + tax (Limited period offer of Rs. 500)
    • Annual fee of Rs. 500 + tax from 2nd year onwards.
    • Late payment charges is applicable for minimum due amount over Rs. 100.
    • Service tax currently at 12.36% may be applicable on fees, interest and other charges.

    The rate of interest charged is at the sole discretion of the bank. It can be as low as 1.25% per month.

    • Interest is charged if the total amount due is not paid by the payment due date.
    • There is an interest-free period which could be from 18 to 48 days.
    • If the previous outstanding balances are not paid, interest is charged on the total amount due on any new transaction made from the date of the transaction.
    • The interest rate may be determined on your credit history, purchase pattern, loyalty, and payment behavior.
    • In case of default, the interest rate can increase up to 3.5% per month (maximum).
    How to Redeem the 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 makemytrip.com, futurebazaar.com, bookmyshow.com 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.

    How to apply for ICICI Bank Coral Credit Card?

    • On the BankBazaar website, under the “credit card” section, you can view and explore all the credit cards.
    • Check your eligibility by entering your basic details.
    • The cards you are eligible for will be generated.
    • Find the ICICI Bank Coral Credit Card and you can apply for it instantly online.
    • Fill in detailed information and submit your application.

    ICICI Bank Coral VISA Credit Card FAQs:

    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 pay with cash only at the bank branches during banking hours.
      • You can pay through Internet banking whether you hold an ICICI bank account or not.
      • You can avail the auto-debit facility which is a standing instruction to pay the bill directly through your bank account.
      • You can pay the bill through the Customer Care Centre.
    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 2.5% 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 Visa 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. Can I book movie tickets and avail the Buy One Get One Free offer on any movie ticket booking website?

      No, using the ICICI Bank Coral Credit Card, you can avail the Buy One Get One Free offer only on www.bookmyshow.com.

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