Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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
    Credit Card BYTES FROM OUR KITCHEN

    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 card to use"
      0.5 3.0/5 "Satisfactory"
      I had a credit card with ICICI bank from last 2 years and the card type is coral credit card. The credit card services are average when compared to all other credit card. An annual fee of Rs 499 has to be paid every year for this credit card. I get offers like buy 1 get 1 movie tickets in this credit card. I use this card mainly for shopping purpose and i had a credit limit of Rs 65000.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Better card"
      0.5 4.0/5 "Great!"
      I use CORAL Credit Card with ICICI Bank. I am getting discounts and offers on online shopping. The credit limit was 1.25L which was good. They charge annual fee again it will get waived off on the maximum transactions. I am using the credit card for almost 4 years.
      Was this review helpful? 0
      , ambala
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience with Icici bank credit card department. The credit limit they offer me was good. They also provide me with good offers and benefits and the online credit application of Icici credit card department is good. I am totally satisfied with the service of Icici credit card department.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have my credit card with ICICI bank for about 10 years.I hold coral International card and the credit limit was 70-80,000 which was satisfactory . The customer service and responsiveness was really good. The charges and Interest rate was average. My overall experience was good and I would like to recommend to others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and am using it from the last two years of time. Response is fine one for me with them. I would like to say that the customer service is also fine one for me with them and the credit limit value is also good one. I would suggest this for every one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am getting the cashback on shopping and on dining and at all fuel station on my ICICI bank credit card. Credit limit value is good one with the ICICI bank credit card and the response is an excellent one with the ICICI bank credit card which is really like.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Good to use and it recomended to all"
      0.5 5.0/5 "Blown Away!"
      I got the ICICI bank ferrari platinum credit card very recently and ICICI has upgraded my old credit card. I am satisfied with the credit limit value, because they have offered me the decent number. I use this card for shopping , online banking, purchases and I get the benefits of payback offers and etc.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 17, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI Bank. I am using the card for last 3 years and very recently they increased my credit limit. I have been using Coral credit card and they upgraded to Ferrari card. They charge annual fee of 500 rupees. Only the rate of interest was high, other things are satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 16, 2018
    • ICICI Bank Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      I have received a credit card with ICICI bank last two weeks ago.The limit on the card is sufficient but i am not satisfied with the service,i did not receive the pin number to purchase i tried calling the customer service and it was not connecting therefore i would not recommend this card to others.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 16, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      When I have applied for the ICICI bank platinum chip credit card I have got good response from the ICICI bank but they have taken longer than normal time to disburse my credit card. The documentation process was done on time and they told after the verification they will deliver the card. The verification was done around 20 days ago.
      Was this review helpful? 0
      , kurnool
      Reviewed on Jan 16, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank from last 2 months and the card type is platinum. The credit card services are good with this bank and they did not charge any annual fee for this credit card. I did not find any offers in this credit card, i use this credit card for multi purpose and they gave a credit limit of Rs 20000 which is less for this credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 15, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has offered me a credit card. I am using PLATINUM credit card for last one year. The credit limit was satisfactory, they have given me 90,000 rupees. I pay the installments on time. It is a life time free credit card. I am using the card for ticket bookings, fuel filling, online shopping and grocery purchase.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 13, 2018
    • ICICI Bank Credit Card
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI bank service is not up to the mark . The rate of interest is very high with this card and the additional charges are very high with ICICI bank insta credit card when compared with other bank cards. I have got the ICICI bank insta credit card aroun 3 months ago.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with ICICI credit card. I am using it for 4 years. I got a coral credit card. The credit limit was good. I am using this credit card for all purposes. I am getting a good offers from ICICI Bank. They charge annual fee for this credit card.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI bank from last 2 years, the services provided by ICICI credit card is good when compared to all other credit cards. There is no annual fee charged for this credit card. I get offers like buy 1 get movie tickets in this card. I use net banking for making payments and i have a credit limit of Rs 1.3 lakhs which is less for this credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I have my credit card with ICICI bank for about 8 years . The credit limit was 84,000 which is not satisfactory . The customer service and responses was good. Here I use their online banking which is convenient. I am not happy with the charges post GST.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank 4 years back. They have offered platinum International card and the credit limit was 75,000 which was satisfactory . Here the charges and Interest rates are better than other banks. My overall experience was very good.
      Was this review helpful? 0
      , jamnagar
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I hold a credit card of ICICI bank.The limit on the card is 20,000 also there is no annual fees to hold this card.The card type is Platinum visa card.They give prompt response to the customers, I never had any issues with them.I had closed the card and swapped to another card type.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank They had given a ICICI bank HPCL coral visa credit card.The limit on the card is 45k i have been using it for last few months.The card has no annual fees to use this card.Net banking is user friendly and easy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 12, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with ICICI bank 2 years back. They have offered coral International card and the credit limit was 70,000 which was satisfactory .The customer service and responses was up to the mark. I am getting reward points here and some offers on book my show tickets.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2018
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