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  • ICICI Bank Coral Visa Credit Card

    Fees & Charges

    Promised Interest Rate

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    ICICI Bank Coral Visa Credit Card

    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.

    ICICI Bank Coral Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with ICICI bank 15 days back. The credit limit was 50,000 and they have offered platinum domestic card. I have no idea about the charges and interest rate .The validity of the card is 2022 and I have 24/7 helpline number also. The customer service and responses was good so my overall experience was not bad.
      Was this review helpful? 0
      , haldwani
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Bad"
      0.5 2.0/5 "Expected more"
      I have my credit card with ICICI bank which was taken 4 months back. The credit limit is just 20,000 so I am not satisfied with it . The validity of my card is 2021. The charges are really high in case of late payment. I have platinum International card .The customer service is very good and responsiveness is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Dissatisfied service"
      0.5 2.0/5 "Expected more"
      I had a bad experience with ICICI because they are not transparent on the credit card bills, they charge me very heavy and they won't give clear information about the fee. I have been using this ICICI for three years but they are customer oriented.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Remarkable service"
      0.5 5.0/5 "Blown Away!"
      Remarkable service provided by ICICI Bank for the credit card. The bank is customer friendly I am holding this ICICI credit card for a period of 6 months . It is a Master Credit cared. The benefits that I receive from this card are as follows, dining and jewelry purchase etc. On an average I get 5% discount regularly.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card from last 3 years, the services provided by ICICI credit card is good when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. I also get good offers like cash back, reward points and EMI options. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Platinum credit card with ICICI Bank. The credit limit was ok, its not satisfactory. I use net banking of ICICI bank for online transaction. There are reward points and cash back offers. The annual charges applicable on this card. I pay through online.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card from last 10 months, the services provided by ICICI credit card is good when compared to all other credit cards. I get good offers like cash back and reward points. I use this card for shopping, dining and booking tickets. There was no annual fee charged at the time of getting this card and i am also satisfied with the credit limit
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "GOOD ONE"
      0.5 5.0/5 "Blown Away!"
      From the past one year I am using the platinum credit card of ICICI Bank .its a good Customer service from their end , they gave me a credit limit of 40K and cash withdraw option of 10K I get cash back offers . If I spend more than 10K i am year the annual fee will be waived off . It a good experience over all .
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      It was a good experience from ICICI regarding my credit card service, there response was very good . With a very good customer service and also the offers from ICICI is good and regular for my ICICI coral card ,it was a good service from ICICI.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a ICIC coral card the service is very excellent ,I never contacted ICICI customer service as I never get any issue with ICICI service ,I used to get good and regular offers from ICICI for my credit card . To conclude, it was a remarkable service that I received from ICICI.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 21, 2017
    • ICICI Bank Credit Card
      "average service"
      0.5 2.0/5 "Expected more"
      I feel the service of ICICI for my credit card service is average ,customer service is fine ,but they have not increased my credit limit till ,now and there is no offers from ICICI ,not customer oriented they have improve their service more.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      It was the first credit card which I started to use in the beginning it was 20 was my credit limit but after some time they increased my limit with 5 more but there is no offers from ICICI till now also the customer service is good with ICICI ,I would say the service from ICICI is very good for my credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with ICICI bank. The credit limit was 25,000 which is very low than other banks so I have requested them to increase my credit limit still there is no satisfactory reply from them so I am not satisfied with the customer service and responses . I have no idea about the charges and interest rates here . The validity of the card is till 2022.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "GOod to hold"
      0.5 5.0/5 "Blown Away!"
      I am not using ICICI credit card that much because I am using HDFC credit card frequently for all transaction. But I used to get petrol surcharges on ICICI credit card and also they are providing good cash back offers in some websites, I am fine with that.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Looking for best offer"
      0.5 3.0/5 "Satisfactory"
      ICICI gave me the credit limit of Rs.40,000 they haven't increase the limit in one and half year but I am a prompt payer of ICICI. They should increase the limit and should increase the offer. Bank not communicating anything about the offers as well
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I am getting good discounts on petrol surcharges, movie tickets, hotel, restaurant, shopping, dining with my ICICI credit card. I am satisfied with the credit limit it was around Rs.80,000 but still its is less. I am looking for a better enhancement.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      My credit card is with ICICI Bank and the offers on the card is good. The customer support team is also helpful when I reach out with any clarifications. The credit limit is satisfactory and there are rewards on my card and I can redeem the points too.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 7 years back. The credit limit was 20,000 which was satisfactory, The customer service and responsiveness was up to the mark .I hold the platinum HP card and Its an International card. The benefits are reward points and discounts on fuel purchase. The validity of the card is till 2024. I have 24/7 helpline number and my overall experience was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      Though I am a existing customer of ICICI Bank the bank did not give me any offers from the on start of me using my credit card. Once they realized that I started to use the card of Amex they increased my credit limit and they started to provide regular offers.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 20, 2017
    • ICICI Bank Credit Card
      "Good but service should be improved"
      0.5 4.0/5 "Great!"
      I have basic credit card from ICICI card, some website gives good cash back offer not all website. I don't want to go for enhance of credit card to avoid the annual fee. I am fine with credit limit, which they offered me for the basic transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 20, 2017
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