Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
For Indians who stay overseas, planning a trip to India always includes loads of hassles. From booking hotel rooms to dining out, the mode of payment becomes quite a headache for them. But with ICICI's NRI Coral Credit Card, they can put all these worries behind. Simple and convenient to use, the ICICI Bank NRI Coral Credit Cards is one of the most preferred NRI cards in India. With time, it has gained popularity because of the kind of financial freedom and benefits it provides to the cardholder.
The ICICI Bank NRI Coral Credit Card is a first-of-its-kind unsecured credit card that not only guarantees security but also provides a number of useful features and amazing benefits that the cardholder can make use of. Also, using this card, cardholders can make railway and flight booking to make their travel within India an easy and trouble-free affair.
Applicants can get this credit card using a simple process online or offline. This card comes with great deals on movie tickets, hotel bookings, lounge visits, and dining benefits. Let us take a detailed look at the features, benefits, fees, charges, eligibility, and documentation process of this card.
| Fees and Charges | Amount |
|---|---|
| Joining Fee | Rs.1000 plus GST |
| Annual Fee | Rs.500 plus GST (waived off from the second year if annual spends are more than Rs.1,50,000 per year) |
| Add-on Card Fee | Rs.199 |
| Finance Charges | A monthly rate of 3.40% and an annual rate of 40.80% |
| Cash Advance Fee | 2.50% of the amount withdrawn or Rs.300 (whichever is higher) |
| Dial-a-Draft Fee | 3% of the value of the draft amount subject to a minimum fee of Rs.300 |
| Late Payment Charges | A maximum of Rs.750 |
| Over-limit Charges | 2.50% on the over-limit amount (subject to a minimum of Rs.500) |
| Cheque-Return Fee | 2% of the Total Amount Due or a minimum of Rs.450 (whichever is higher) |
| Fee on Cash Payment at Branches | Rs.100 per payment transaction |
| Duplicate Statement Request | Rs.100 |
| Card Replacement Fee | Rs.100 |
| Cash or Cheque Pick-Up Fee | Rs.100 per Pick-Up |
| Charge Slip Request | Rs.100 per charge slip |
| Railway Booking Surcharge | 1.80% of the transaction value for payment made online and 2.50% on other bookings. Cost of railway tickets will be recovered along with charges and taxes levied if any by the acquiring bank at actual. |
| Foreign Currency Transaction Charges | Cross-currency mark-up of 3% |
Individuals can apply for ICICI Bank NRI Coral Credit Card using an online as well as an offline method. Let’s take a look at both of these methods one by one:
To procure an ICICI Bank NRI Coral Credit Card, the applicant needs to fulfil certain eligibility criteria some of which are listed below:
Applicants should submit the documents listed below to procure the ICICI Bank NRI Coral Credit Card:
In case of misuse, loss, or damage of your ICICI NRI Coral Credit Card, you can report the incident immediately to the bank by sending this SMS, CCBLK <last 4 digits of your card> to 5676766. This will help you to block your card instantly and will prevent further misuse of the same.
While it is not compulsory to do that, you can submit it in case you have it.
Yes, ICICI Coral Credit Card offer auto-debit facility. You can activate it by registering your credit card to the bank’s net banking facility.
Yes, you can use this card to book railway tickets. Cost of railway tickets will be recovered along with charges and taxes levied if any by the acquiring bank. Cost of railway tickets will be recovered along with charges and taxes levied if any by the acquiring bank at actual. The bank will charge 1.80% of the transaction value for payments made online and 2.50% on bookings made otherwise.
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