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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 Credit Card

    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.

    Secured transactions

    • 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

    Joining Fee

    500

    Annual Fee

    First year

    Nil

    Second year onwards

    500

    Add-on fee

    Nil

    Minimum card transactions needed for reversal of Annual Fee

    Rs.1,50,000

    *The charges are subject to change as per the bank’s discretion. The mentioned figures are valid as of 6 September 2018.

    Savings On ICICI Coral Credit Card

    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

    Savings earned

    24 free movie tickets

    Rs.6,000

    15% discounts on dining through ‘Culinary Treats’

    Rs.3,600

    Rewards on transactions worth Rs.3,00,000 per year

    Rs.1,425

    Rewards on achieving credit card Milestones

    Rs.750

    Complimentary Airport Lounge access

    Rs.4,000

    1% waiver on fuel surcharge

    Rs.600

    Complimentary access to Railway Lounge

    Rs.2,000

    Estimated savings

    Rs.18,325

    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.

    ICICI Bank Coral VISA Credit Card FAQs:

    1. How do I pay my credit card bill?
        1. You can drop off a cheque at any of the ICICI Bank branches and ATMs in the “drop box” facility.
        2. You can pay with cash only at the bank branches during banking hours.
        3. You can pay through Internet banking whether you hold an ICICI bank account or not.
        4. You can avail the auto-debit facility which is a standing instruction to pay the bill directly through your bank account.
        5. 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?
    3. 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.

    ICICI Bank Coral Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holing the credit card with the ICICI BANK but i sue this card seldom with this credit card because the reason is that the credit limit what they have offered is very lower with this credit card. The offers also i get seldom which is lower with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK from past four years as the card is easy also it is user friendly to access. The credit limit what they have offered is satisfactory with this card added on that the service is very good with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Icici bank for credit card for last 1 years . They used to increase the credit limit based on time to time basis . There is additional charges that too gets waived off after contacting their customer service . Am getting good rewards points for certain transaction too .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "IVR system needs to be develop"
      0.5 5.0/5 "Blown Away!"
      ICICI call center response time too long they need to work on it, the application is very good and the service of the bank is very polite I am fine with the bank not call centers. I have zero balance account with ICICI as my salary account its fine.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The credit limit is fine and the transactions are smooth. The statements are clear and the billing is convenient too. Overall it has been a satisfactory experience.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 1.0/5 "Really Bad"
      For last 11months am using Icici credit card. There customer service and response is good . Am satisfied with the credit limit which they have provided to me in starting as its been based on my salary , they said they will be increasing the limit after 6 month , but still there is no response from them. There is no annual charges for the card .There is no additional charge for the transaction which I make .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK , i am holding this card for past 2 year . They offered me ICICI PLATINUM Credit card . They offered 2.70lakh of credit limit and i am happy with that . Benefit is nothing . I am not so happy with this card because no benefits .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with ICICI BANK , i am holding this card for past 3 year . They offered very low credit limit it is 35000. They provide me with ICICI CORRAL credit card . So fast it has been a good experience with the card and their services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using the ICICI bank credit card for last 1 years. They have given me a credit limit of Rs. 50000 and i have no issues with it. There is no particular offers from ICICI. The service has been provided by ICICI is good and I'm satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI bank credit card from last 15-20 years, there was no annual fee charged for this credit card. The features and benefits are very good in this credit card. I am happy with the credit limit provided by ICICI bank credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Services need to be more proactive"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are no charges for the card. The credit limit is fine and there are no issues for the statements too. They need to work on the services. I can get connected easily but they do not sort out my queries.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using a ICICI credit card for Last 4 years, They have increased my credit limit upto Rs. 1.80 Lakhs according to my usage. This is a life time free card. I have not availed any of the offers for last 3 months even though i have received lots of notifications.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the credit card with the ICICI BANK from past 6-7 years as the card is user friendly card to use. There is a rewards points offers with this card added on that they are providing with the EMI conversion which is hassle free process to convert it.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI Bank. I do not use the card much as there are no offers on the card. So when ever I get a 10% flipkart offer, I use the card at that moment. It is a life time free card. The bank can provide more deals when compared to the banks.
      Was this review helpful? 0
      , thane
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have cancelled my ICICI credit card they gave me good experience, they gave me the credit card limit around Rs. 50,000. There is no draw back I have many card that is the reason I have closed the card, Its life time free card. The customer service is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the offers are good. The customer support and response is fine. There are good deals and the statements are clear and sent to me on time. Overall no issues while using the card. The credit limit is also good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Response should be proactive"
      0.5 1.0/5 "Really Bad"
      I have not get the credit card, one time I got the sms stating my card was dispatched but there was no response. The person came to collected the documents then no reply. There was no processing fee on the credit card. I done all the process but I didn't get the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Process should be easy"
      0.5 3.0/5 "Satisfactory"
      I just applied the card with ICICI, the offers are fine with them. I am not sure about complete offers which is available on my card, the credit limit is low they need to enhanced the limit based on my usage. They have taken long time to dispatched the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for while, they have not charged any annual fee with this card and i am happy with my credit limits which they have given me in this card , the best part is they give good discounts, offers in maximum products..
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card, they have not charged any annual fee in this card and it is life time free credit card and i am happy with my credit limit in this card,there offers is good they provide me good cash back and discounts in card, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
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