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
      "Good one"
      0.5 4.0/5 "Great!"
      I want to say, ICICI bank credit card is the best one for me because the payment used to get reflected in their server in a day of time. I am using ICICI bank credit card from the last four to five months of time. Credit limit value enhancement is not yet experienced but now its a kind of okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Should understand the customer's needs"
      0.5 2.0/5 "Expected more"
      I am holding salary account with ICICI, hence I am using the credit card. Overall service of ICICI, it is not upto the mark, they taking lot of charges for the credit card transaction. Customer service is bad, especially the IVR system automatically calls gets disconnect while ringing. I never spoke with customer service as of now for any queries.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My friends are using ICICI credit card. And I am getting good feedback about the bank from them. The bank is providing more reward points it seems also they are upgrading the credit limit every year. I do not have any idea about their customer service, but the card is really helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Platinum Chip credit card of ICICI bank for the past 3 years. I was offered a limit of 55k which is very much sufficient for me. I don't get any kind of cash back offers on my ICICI Bank credit card. This is just a basic card, I did not get any sort of reward points and other offers. But on the other hand, I also get fuel surcharge waiver based on this card. The rate of interest is very much competitive.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Not customer centric"
      0.5 1.0/5 "Really Bad"
      When I approached ICICI bank for the credit card, they said that everything is fine. So I submitted all the documents then they confirmed me that I would be received the card in 15 days but there was no response after that. So again I had applied for the credit card but the bank is least bothered to respond back.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am enjoying reward points, cash back offers, fuel surcharge waiver and offers on the selective restaurants with the ICICI Platinum Chip card. I am very much happy about the credit limit which was offered on my ICICI bank credit card. I am holding this Platinum Chip card for the past 5 months. The rate of interest is very much nominal on this card I am very much happy to use this Chip card.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I use ICICI credit card for the past two years. Till date I never faced any issues with the bank like hidden charges or something. The one I hold is a life time free card. I do received reward points and cash back offers on my card. The overall service is good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the ICICI bank and am with them from the last one year of time. Customer service is an excellent one and the credit limit value is good one and I have not faced any difficulties with the ICICI bank credit card till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I do have ICICI bank credit card and am using it from the last three years of time. Customer service is also very good with the ICICI bank credit card and the responsiveness too. I got the offer as 50% off while buying the clothes and the credit limit value is around 35000 Rupees, which is really okay for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Need improvement on feature part"
      0.5 2.5/5 "Just OK"
      Still now I have not received any offers from ICICI. I have been holding this credit card around two years. They offered me the credit limit of Rs.30,000 only one they have called me for the enhancement of credit card limit. There is no much reward points or offers on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Comfortable"
      0.5 4.0/5 "Great!"
      I use ICICI credit card. The card which I hold is a chargeable one. It is very comfortable for the usage. I have no issues with the bank for the credit card services. I am happy with the bank in terms of my credit card. In all the services of ICICI bank is good.
      Was this review helpful? 0
      , warangal
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The best about the credit card is the transactions has never declined. It is with ICICI Bank. The credit limit is sufficient enough for me. The drawback is, there are no much of offers like how other banks offer. The customer services are good, but it would be better if they are supportive in the offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      Once I applied for the credit card with ICICI bank. Actually I am banking with ICICI for so long time. Hence I approached them for the card. But I never received single call or message from the bank for my credit card application. The bank is disappointing a lot.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Good for day to day use"
      0.5 5.0/5 "Blown Away!"
      ICICI charges are bit high but worth. I am got ICICI Coral credit card very recently. Earlier I used platinum credit card. They told in Coral card, there is free movie ticket and no charges for billing. No add on charges of petrol filling. Even I am fine with the credit limit its good.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am a existing customer of ICICI Bank and I have got a lot of offers from them. They have also provided a credit card and the offers is good enough and it is accessible all over. The credit limit they have offered me is 96000 now initially they have offered 20 to 25k and its a life time free credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use ICICI bank coral card to fill the fuel and for the restaurants bills. The benefits like rewards points and the cash back offers and the fuel surcharge waiver is available with this card, but I am not sure how to redeem those offers. I am happy about the credit limit. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , udaipur
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Flexible Credit Card"
      0.5 5.0/5 "Blown Away!"
      Based on ICICI credit card, I got the personal loan at a very low interest rate of 12%. In fact that loan amount got credited within 48 hours of time. I approached credit card loan through online I got loan reference no and done the quick process. ICICI credit card is also flexible to use and it is very easy to make the payment too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Very helpful"
      0.5 5.0/5 "Blown Away!"
      I do hold 3 credit cards,amongst all I like ICICI credit card as it is the one which is the best according to me. There are no additional charges till now which I incurred from the last three years of time. Service aspects are the fine one with the ICICI bank credit card and their online services are also working in a very good way.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Good offers"
      0.5 4.0/5 "Great!"
      ICICI bank credit card is also working in good way like they used to come up with offers on time to time, also the redeeming reward points is really a easy one. Offers are really good like the surcharge waivers and other things are applicable.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 19, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I use platinum credit card with ICICI bank. It is a life time free credit card. The credit limit is satisfactory and I have no issues on it. They provide cash back offers and reward points on my card. But I had not redeemed those points till date.
      Was this review helpful? 0
      , paradip
      Reviewed on Jun 19, 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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