With the ICICI Bank Coral Visa Credit Card you can earn up to 10,000 payback points every year. You also enjoy complimentary access to 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 the ICICI Bank offers a range of premiere credit cards. ICICI Bank Coral Credit Card is one of the five variants of credit cards available as part of the series. The card is modeled to provide a number of exclusive deals and offers to the cardholders.
Features And Benefits Of The 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
If a cardholder purchases a movie ticket from the BookMyShow website, they can get a complimentary ticket in that week.
One can obtain up to 2 complimentary tickets worth Rs.250 every month.
Tickets are handed out based on the availability.
ICICI Culinary Treats Program
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 card 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.
The Coral Credit Card is modeled 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 Coral Credit Card
The following table indicates the fees that are associated with the credit card:
Type of charges
Size of charges
Second year onwards
Minimum card transactions needed for reversal of Annual Fee
*The charges are subject to change as per the bank’s discretion. The mentioned figures are valid as of 6 September 2018.
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
24 free movie tickets
15% discounts on dining through ‘Culinary Treats’
Rewards on transactions worth Rs.3,00,000 per year
Rewards on achieving credit card Milestones
Complimentary Airport Lounge access
1% waiver on fuel surcharge
Complimentary access to Railway Lounge
How To Apply For An ICICI Coral Credit Card?
Go to the official website of BankBazaar.
Click on the ‘Cards’ tab on the homepage.
Select the ‘Credit Cards’ option the dropdown list.
Choose ‘ICICI Coral Credit Card’ from the list of cards mentioned.
Check one’s eligibility to avail for the card.
Proceed to click on ‘Apply’ after.
Eligibility And Documentation Required To Avail The ICICI 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 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.
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.
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.
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.
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.
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.
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.
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.
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 BookMyShow website.
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On 4 months before I have applied for a credit card with ICICI bank directly to them. It is a life time free credit card and the credit limit is given for 30 thousands only for this card. EMI option is not applicable. I use this card for many purposes.
I am using ICICI Bank credit card which was directly availed through Bank.I am using this credit card for the past 1 year,This was a coral card and got all the relevant information about the card process through the agent.This was a paperless approval and i a m comfortable on using this card.
I am using ICICI Bank credit card for the past 1 year .The credit limit was 18,000.This was a free card and there was no difficulties and this was a free card ,since have a salary account i have got the card on paperless approval.This card is very easy to use and got all the details about the card process very clearly.
I have credit card from ICICI with the limit of Rs. 50000 thats enough for me. ICICI is providing me a good service and the card is having a good offers. I am getting a buy1+Get1 movie ticket offers on bookmyshow and different travel offers. Last 2 years back, i got the card but they haven't increased the limit.
I have ICICI bank credit card which was taken through Bank directly .The credit limit was less it was 25,000 and there was no cash back offers and reward points .I have got all the details about the loan process very clearly .I have submitted the required documents through agent.
I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 1 year ,The credit limit was really less and the agent gave all the required details about the card process,I have submitted the required documents ,This was a free card ,There are cash back offers and reward points also which is very useful .
I am using ICICI Visa Platinum card for shopping, traveling and its more comfortable because am in transportation field so its easy to travel with the help of credit card. The interest rate is reasonable. The credit limit is good and enough for me.
ICICI BANK gave me a platinum card which am using it from last one month. The card is valid till June 2022 and they are not charging annual fee. The credit limit is moderate and hoping for the better limit in future. I have used the card for general purchase like shopping and booking movie tickets. Recently, I have purchased the mobile phone and tried calling the customer care to convert the payment into EMI but the call was waiting for longer duration which am not satisfied.
I have ICICI Bank credit card which was taken through Bank directly .I am using this credit card for the past 2.5 years ,The credit limit was pretty good and and this was a free card.There are good cash back offers as well as reward points ,I have got the credit card on time ,I am comfortable with the service.
I am holding a credit card with ICICI bank for the past three years which was processed through bank directly. There is no annual fee chargeable and the credit limit is sufficient for this card. EMI option is applicable but charges are high. I use this card for many purposes.
I have been using ICICI BANK credit card from last 2years to purchase online and shopping. There is annual fee for the first year and then they did not charge me. The credit limit is only 25K also there is an option for enhancement which am not required. There is no option for EMI conversion.
Actually, ICICI credit card is good because whenever I have purchased they are converting my payments into EMI so its easy for me to handle even the interest rate is not much. I have been using Ferrari card for last one year. The credit limit is very less which they need to enhance. I am not interested with this card but they have promised me limit will be increased in 6months.
I was using credit card with ICICI bank 2 years before which was applied directly to bank. The card was good to use. But the charges are high to use this card. It is a life time free credit card and the credit limit was sufficient to use. I use for travel purpose, to pay the electrical bill payment.
I am having ICICI Bank credit card which was offered by Bank.I am using this credit card less than 1 year,The credit limit was average ,This was a free card ,There are good cash back offers as well as reward points .I was having platinum card previously later it was upgraded as coral card .
I have ICICI Bank Credit card which was offered by Bank only.I have got the credit card on time ,This was a free card and the credit limit was enough for me as well,There was cash back offers and reward points ,I am having ICICI salary account hence got this card on paperless approval.
I have not called the customer care service for any queries because their services are good. I'm using the card for last 4 months and still i need to explore the card. So far i have done 1 month bill payment as well. Its easy to make the payment. Whenever i need a cash, the card helps a lot. My friend has recommended me about the ICICI card because in their mobile app, they will provide the pre-approved loan against credit card.
When i open my imobile app, they had a option of applying the pre-approved loan from ICICI. My credit limit was not increased even though my salary got increased. I have been using the credit card for last 2.3 years. Sometimes in shopping i get a benefits and petrol fee waiver is there. ICICI service is fast and their app is user friendly.
Till i haven't use the card much and the EMI interest rates are high in ICICI. From 2018, i am using the credit card from ICICI. Once i face some issue like they have deducted the money twice when i purchase through online but i didn't get the money back even though i have contacted them so many times but their customer care service executives are better.
There is no response at all from ICICI customer care and still even i don't know their proper customer care number. I applied the credit card for normally for purchasing the goods for my home and the interest rates are nominal. Once the card got blocked and i want to increase my limit when i enquired about the same, they asked me to visit the branch. I applied the card in online.
ICICI credit card is okay and am holding a Platinum card and Amazon card. I will not use this card frequently and its good for doing purchasing at Amazon sites. The cards does not have annual fee. They have given me a better limit and it has been one year since I had been using this credit card.