ICICI Bank
ICICI Bank Coral Credit Card
4.1 / 5visa · mastercard
- Joining fee
- ₹500
- Annual fee
- ₹500
- Base reward
- 0.5%
- Min income
- ₹20,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Utilities & bills | 0.25% | Uncapped |
| Insurance | 0.25% | Uncapped |
Benefits
- ▸2 reward points per Rs.100 on retail spends
- ▸1 reward point per Rs.100 on utilities/insurance
- ▸Milestone reward points up to 10,000/year
- ▸4 complimentary railway lounge visits per year
- ▸25% off (up to Rs.100) on movie tickets twice monthly via BookMyShow/INOX
- ▸Dining discounts via ICICI Culinary Treats
- ▸1% fuel surcharge waiver (Rs.400-Rs.4,000 at HPCL)
- ▸Contactless payment enabled
The good
- + Low joining and annual fee (Rs.500)
- + Easy annual fee waiver at Rs.1.5 lakh spend
- + Low income eligibility - accessible entry-level card
- + Movie, dining and railway lounge perks
The catch
- − Modest reward rate (~0.5% on retail)
- − Only 1 domestic lounge visit per quarter, gated by spend
- − No international lounge access
- − High 3.5% foreign currency markup