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"
      0.5 4.0/5 "Great!"
      EMI option cant be make with the ICICI bank credit card online service, also net banking services are not really working good. I am holding ICICI bank credit card from the last 1.5 years of time, also their customer service is working in a good way.
      Was this review helpful? 0
      , siliguri
      Reviewed on May 23, 2017
    • ICICI Bank Credit Card
      "Not Responsive"
      0.5 1.0/5 "Really Bad"
      Recently, I applied for the credit card with ICICI bank. Though my credit score is pretty good, I was waiting to get response from the bank. But I did not hear anything from the bank but finally I came to know that the application has been rejected. When I inquired about the reason for the rejection, they are not ready to disclose anything but simply told me that its because of internal policy. Whatever the internal policy, they should provide the reason to the applicant properly because I preferred ICICI bank for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 4.5/5 "Excellent!"
      I hold a ICICI bank credit card and I am very much comfortable using that card, because I do have a bank account with them. Customer service is good one with the ICICI bank credit card , also its an excellent one. Response is an immediate one on my ICICI bank credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Recommendable Bank"
      0.5 4.5/5 "Excellent!"
      I would recommend ICICI bank for credit card services. Because they have a very good systems to be followed. The bank is good in terms of providing financial service to the people. They do have 24/7 customer service and very good online banking facilities.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      ICICI credit card services are good. I use credit card of ICICI bank for a long time. I did not face any trouble because of the card, also there are no hidden charges. Interest rate is very normal and credit limit offered by the bank is very much satisfactory,
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      ICICI bank credit card annual charges are nil with them and I had planned to explore it later. I got a credit card from them in fifteen days of time from the date I applied. Response is good one with them also the credit limit is a less one with them.
      Was this review helpful? 0
      , nasik
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 2.0/5 "Expected more"
      Earlier, I was holding a credit card of ICICI Bank and I had closed IT, because of some extra charges, which were really unnecessary for them and the amount would get reflected in the bill amount. I would like to suggest that they should be much more transparent.
      Was this review helpful? 0
      , pune
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      The services at ICICI Bank has been good even on the credit card. The offers are good and the credit limit is also satisfactory. I get my statements on time and it is clear without any extra charges. The overall experience is good and no issues till date.
      Was this review helpful? 0
      , mangalore
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      What ever offers provided by ICICI Bank for the credit card was not offered to me post availing the card. The terms and conditions were different and there were more charges taken on the card. There were no offers as well. The bank was not consistent in providing the details too.
      Was this review helpful? 0
      , pune
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I have faced some difficulties with the ICICI bank credit card like they have told me to increase the credit limit of 15% but they have failed to done that . I am using ICICI bank credit card from the last one year of time. Charges are nominal one with the ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2017
    • ICICI Bank Credit Card
      "Satisfied with the benefits"
      0.5 5.0/5 "Blown Away!"
      The offers on my credit card is the best and the credit limit too. ICICI Bank has also offered me a balance transfer option on the card which is helpful and also a loan and EMI facility. The statements are clear and it is well explained about the transactions.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do hold a credit card with the ICICI bank and am having it from the last 2.5 years of time. Customer service is really good one and I made the payment to them via ECS , so there are no reminders, also I did not get any calls from them. ICICI bank credit card is pretty good and its depends up on the income.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Long term companion"
      0.5 4.0/5 "Great!"
      I always prefer using ICICI bank credit card , at one occassion they did not increase the limit at the appropriate time and that was the only time they have let me down. I had been with them from the last ten years of time. Credit limit value is fine for me and it is quite satisfactory too. Also the Rate of interest was not really huge with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Best of benefits"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank for a credit card. The offers are too good. I get nice features and the reward points I earn I can redeem it online as well on shopping. The credit limit is good and the card is accepted at any outlet and I can convert the transactions to a EMI as well.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I would like to recommend my ICICI bank corral visa credit card . I do get much offers on it instead I get reward points. I use this card for the last 2.5 years and as per my usage and the interaction with the bank everything is fine. This card is free for life time. Credit limit they have offered is 75k.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am not very happy with the credit card from ICICI Bank. They have given me a credit limit of only 30K and there are no much of offers as well. SBI offers me a better credit limit and and decent offers too. There could be an improvement in the services of ICICI Bank.
      Was this review helpful? 1
      , chennai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I do have credit card with ICICI bank. It is a chargeable card, the annual fee is around 500 rupees. I receive reward points and cash back offers from the bank but as of now I did not redeemed those reward points into cash. The rate of interest is something around 13.99%.
      Was this review helpful? 0
      , chandrapur
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 3.5/5 "Pretty good"
      It has been one and a half year when I received credit card from ICICI bank but they have offered me only 35000 rupees as credit limit. Initially it was platinum credit card now they have upgraded to coral credit card. Its a life time free credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Happy using this card"
      0.5 5.0/5 "Blown Away!"
      Holding ICICI Bank Platinum chip VISA credit card for past 3 years. There are benefits available with the reward points which can be redeemed only as vouchers. The interest rate is nominal with this card. There is no such plenty offers compared with SBI. Overall I feel happy using this card,. And moreover, I am happy with credit limit with this ICICI bank card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I were using Coral credit card for long days, they gave movie tickets offers like buy one, get one free but whenever I tried it gave me error message stating try again later, its an inconvenient par and I am using two credit card from ICICI, but they wont send separate bills to check about the offers or transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 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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