Credit Card Compare

ICICI Bank Coral Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹500
Annual fee
48 days
Interest-free
Application

CardIQ

42Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge42
  • Rewards34
  • Travel52

Customer reviews

No reviews yet. Be the first to review the ICICI Bank Coral Credit Card.

Pros & cons

What's good

  • Complimentary airport lounge access (4 visits a year).

Worth noting

  • Plus GST. ₹500 joining fee, then ₹500 a year from the second year, waived if you spend over ₹1,50,000 a year.
  • Earns 2 reward points per ₹100 on everyday spend, around the dataset average.
  • Requires a minimum income of ₹2,40,000 a year.
  • 3.5% foreign transaction fee on overseas spending, at the high end of the market.

Card details

The basics

Additional cardholder fee
₹199 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
ICICI Bank reward points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹2,40,000 p.a.
Residency
Indian citizen over 21 years of age; salaried with a monthly income of ₹20,000 or self-employed with an annual income of ₹2,40,000
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹199
Annual fee
₹500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 48 days on purchases
Minimum repayment
5% of (retail spends + cash advance + finance charge) plus GST, EMI principal and interest, fees and charges, any over-limit amount and any unpaid minimum due from the previous statement; where 5% of those amounts is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (ICICI Bank MITC, from 1 March 2026)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
2 reward points per ₹100
Bonus categories
None
Other purchases
1 reward point per ₹100 on other purchases
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Tied for best (1st of 11 cards)
Annual fee₹500 a yearTop 25% (3rd of 11 cards)
Overseas fee3.50%Middle of the market (6th of 11 cards)
Interest-free days48 daysNot as good as most cards (8th of 11 cards)
Rewards value₹4,500 a yearNot as good as most cards (6th of 7 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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How CardIQ scores cards
Issuer
ICICI Bank