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  • ICICI Bank Coral Visa Credit Card

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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
      "Good Service and low Limit"
      0.5 4.0/5 "Great!"
      I've been using the ICICI BANK Visa Platinum Credit Card for an year. The credit limit they offered me was really low. They gave me 30000 limit and I contacted them and requested for a card with a better credit limit. Hopefully it will be approved soon. Other than that I've no issues with ICICI Credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with ICICI bank which was taken 2 years back. They have offered coral card and the credit limit was 40,000.The customer service and responses was up to the mark. Here the charges are very nominal in case of late payment .I am getting reward points as benefits for this.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I am not satisfied with the credit limit which they have provided me. I have not used this card much. There was some joining fee which they had charged me. They have called me and said about a Health Insurance which was activated with the card which was charging me the premium of Rs.400 every month, which was not even informed me while i was taking the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been using ICICI Platinum card for the last two years, and i am satisfied with the credit limit which they have provided me. I generally use this card for online purchases most of the time. I am getting some cashback offers in book my show.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I use the ICICI bank platinum chip credit card for more than 2 years. The customer support service is good with he ICICI bank and I am not happy with eh credit limit value , still they are not increasing the credit limit as well, it would be good if they can increase the credit limit value in future.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I have the ICICI bank coral visa credit card for the past 4 years. The credit card service is average with the ICICI bank, they need to improve with their service part. The credit limit value is average with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the ICICI bank platinum chip credit card for more than 10years. The customer support service is good with the ICICI bank. The credit limit value is good with the ICICI bank platinum chip credit card. The reward points and the cash back offers are good with the ICICI bank platinum chip credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Not so good"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Icici bank, I use this card occasionally. I am not completely satisfied with the card, as the benefits are not so good and the features are also not satisfactory. I just hold this card and I just use it sometimes. I would rate this card as an average.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI bank and i have received reward points with the card.I have not redeemed the reward points. Its a good card. The application with the card is fine.The customer service is good. There is no annual charge with the card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 26, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I'm using the ICICI BANK Coral Visa Credit Card for the past 1.5 Years. This card offers no exceptional features. The Credit Limit they offered me is 60000 and the way I see, it is very low. Overall I don't have any problems with this card other than the lower credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI bank credit card from last 4 years, the credit card services are not up to the mark as there are no good offers on this credit card. I have to pay an annual fee every year for this credit card. The credit limit is very less when compared to other cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have got the ICICI bank coral visa credit card for more than 5 to 6 years. The customer support service is good with the ICICI bank and they give good response to the customers. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from last 16-17 years, my experience with this credit card was good so far. I have a coral credit card where i did not find any good offers and no good benefits. I am happy with the credit limit and there is no annual fee charged for this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Service needs Improvements"
      0.5 3.0/5 "Satisfactory"
      I've been using the ICICI Platinum Visa Card for the past 2 Years. The rate of interest is bit high when comparing to other cards. Their customer support staff must behave in a polite and friendly manner. Their follow up is good but not so polite which certainly needs to be changed.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      There wasn't any specific reason to choose the ICICI GEMSTONE CORAL CONTACTLESS CREDIT CARD. I have't used the card much and In terms of the features and benefits I haven't done any research before purchasing this credit card. I'll have to wait and see how this card turns out after few months usage.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "ICICI credit card"
      0.5 5.0/5 "Blown Away!"
      I hold an ICICI bank credit card and i am satisfied with my limit. I get reward points and cash back with the card and not yet redeemed the reward points. There is no annual charge with the card. I get good offers as well. The service with the card is fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I got the ICICI bank platinum visa chip credit card around a year ago. The credit limit value is low with this card and i t would be good if they can increase the credit limit value. The benefits and the offers are average with this card and i am not satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The credit limit value is good with the ICICI bank platinum chip credit card. I use this card for more than 2 years. The customer support service is good with the ICICI bank and i am satisfied with their service. I would say it is a better card to use.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have my credit card with ICICI Bank 5months back. The credit limit was 60,000 which is satisfactory and i hold coral card .I did not get the pin still so i am not suing it . The customer service and responses was not good and I have no idea about the annul fee also. My overall experience was not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 4.0/5 "Great!"
      I am a privileged customer of ICICI Bank and the customer services are good. I hold a credit card. It is a chargeable card, if I use 30K in a year the charges will be waived off. I am happy with the offers and the credit limit. There are no hassles with the statements too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 25, 2018
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