ICICI Bank Coral Credit Card
A friendly entry-level rewards card with dining discounts, movie ticket offers and one airport lounge visit a quarter after ₹75,000 previous-quarter spend, plus one railway lounge visit. The low fee and everyday benefits make it an easy starter card from ICICI.
Why it ranks
- Very low annual fee, waived on Rs.1.5 lakh spend
- Airport and railway lounge visits at this price, with a spend condition on airport visits
- Good dining and entertainment discounts
- Easy eligibility for first-time users
What holds it back
- Low base reward rate
- Lounge visits require prior-quarter spending
- Limited premium travel benefits
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A friendly entry-level rewards card with dining discounts, movie ticket offers and one airport lounge visit a quarter after ₹75,000 previous-quarter spend, plus one railway lounge visit. The low fee and everyday benefits make it an easy starter card from ICICI.
ICICI Bank Coral Credit Card at a glance
| Issuer | ICICI Bank |
| Card network | Visa |
| Annual fee | ₹500 + GST joining and annual fee |
| Welcome bonus | Activation benefits and offers (varies by channel) |
| Rewards rate | Around 0.5% base, higher with offers |
| Intro APR | N/A |
| Regular APR | Around 42% per annum (3.5% per month) |
| Foreign transaction fee | 3.5% markup on foreign currency transactions |
| Credit needed | Fair to Good |
| Best for | New cardholders wanting dining, movie and starter lounge perks |
| Airport lounge access | 1 domestic visit a quarter after ₹75,000 spend in the previous quarter; 1 railway lounge visit a quarter |
Rewards & benefits
- 2 Reward Points per Rs.100 on most spends
- 25% off movie tickets (up to ₹100), twice a month on BookMyShow or INOX, after ₹25,000 spend in the previous quarter (from 1 April 2026)
- Up to 15% off at partner restaurants via Culinary Treats
- 1 free railway lounge visit per quarter
- Reward Points redeemable against statement and catalogue
Eligibility & who it suits
- Indian resident aged 21 to 65; salaried applicants need ₹20,000 a month
- CIBIL score of 700 or above recommended
- Salaried or self-employed with steady income
- Valid PAN and KYC documents
How to apply
Check current rates on ICICI Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | IICICI BankCoral₹500/yr · IN ICICI Bank Coral Credit CardNew cardholders wanting dining, movie and starter lounge perks |
₹500/yr | Around 0.5% base, higher with offers | Activation benefits and offers (varies by channel) | 3.5% markup on foreign cur… | Fair to Good | |
| 2 | AEAmerican ExpressMembership Rewards₹4,500/yr · IN American Express Membership Rewards Credit CardDisciplined spenders who hit monthly milestones for bonus points |
₹4,500/yr | Around 1 point per Rs.50, boosted by milestones | 4,000 Membership Rewards points on spending Rs.15,000 in 90… | 3.5% markup on foreign cur… | Good to Excellent | |
| 3 | AAxis BankPrivilegeNo annual fee · IN Axis Bank Privilege Credit CardMid-level spenders who want EDGE points, a milestone bonus and domestic lounges |
None | 10 EDGE REWARD points per ₹200 spent in India or abroad; 10,000 bonus points (wo… | 12,500 EDGE REWARD points (worth ₹2,500) only when a joining… | 3.5% of the transaction va… | Age 18 to 70, Indian resident; i… | |
| 4 | SSBI CardSBI SimplySAVE₹499/yr · IN SBI SimplySAVE Credit CardEveryday spenders who want simple rewards on essentials |
₹499/yr | Around 2.5% on bonus categories, 0.25% base | 2,000 bonus Reward Points on spending Rs.2,000 in 60 days | 3.5% markup on foreign cur… | Fair to Good |
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