ICICI Bank Coral Credit Card: Benefits, Fees & Charges, How to Apply

With a low annual charge of ₹500, the ICICI Bank Coral credit card is the perfect choice for people who want to get their first credit card. It is an entry-level credit card that offers benefits and rewards on shopping, lifestyle and travel expenses. 

Read on to know about all the ways you can save on spending with this credit card.

Key Privileges of ICICI Bank Coral Credit Card

Here is a list of ICICI Bank Coral Credit Card benefits:

• Get to earn from 6x to 12x reward points on iShop spends on categories of flights, buses, hotels, etc (1 point = ₹1). 
• Avail 1 domestic airport lounge access quarterly.

• Get 4 complimentary railway lounge access annually.
• Avail discounts on movie tickets on platforms of BookMyShow and INOX (2 times a month).
• Get 2,000 reward points on ₹2 lakh spend and 1,000 reward points for every additional ₹1 lakh spend (maximum of 10,000 points for every anniversary year).
• Avail 1% fuel waiver on transactions worth ₹400 to ₹4,000 at HCPL pumps. 
• Earn 2 reward points for a minimum of ₹100 spent on retail and 1 reward point for a minimum spend of ₹100 on utility/insurance spends.

Note: The ICICI Bank Coral credit card lounge access is subject to a minimum spend of ₹75,000 in a calendar quarter on the card to be able to avail the same facility in the next calendar quarter.

Spends Cap on Merchant Categories for Earning Rewards 

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Other Benefits of ICICI Bank Coral Credit Card

• Interest-Free Credit: You get up to 48 days of interest-free credit period on your purchases. The interest-free credit period does not apply to cash advances.
• ATM Withdrawal: You can withdraw cash with your ICICI Bank Coral credit card from ATMs. However, do note that the available cash limit is NIL for the first 180 days. 

Fees and Charges of ICICI Bank Coral Credit Card

Eligibility Criteria of ICICI Bank Coral Credit Card

Only salaried and self-employed individuals can apply for the ICICI Bank Coral credit card. Here is a list of some other given criteria that are mandatory to meet:

• An applicant needs to be a citizen of India and over 21 years of age.
• Salaried individuals should have a minimum monthly income of ₹20,000.
• Self-employed individuals need to have a minimum annual income of ₹2,40,000.

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Process of Applying for ICICI Bank Coral Credit Card

Step 1: First, you need to visit the official site of ICICI Bank. You will get the ‘Personal’ tab located at the top of the page. Next, click on ‘Cards’ > ‘Credit Cards’.

Step 2: Then scroll down a bit and click on the ‘Explore All’ option. You will see a vast range of credit card categories on the screen. 

Step 3: You need to click on the category labelled as ‘Lifestyle and Entertainment’. Under this category, you will see the ‘ICICI Bank Coral Credit Card’ listed. Click on it.

Step 4: After the page opens up, click on the ‘Apply Now’ button.

Step 5: In the next screen, you will have to fill in the details of your mobile number, PAN and date of birth. An OTP will be sent to you, which you need to enter.

Step 6: You will now have to give details about your type of employment and provide other financial details as asked. 

Step 7: After you provide all the details and the verification and documentation are successful, your credit will be successfully activated. 

Other Ways to Apply for ICICI Bank Coral Credit Card

1. You can speak with their representative about opening a new credit card.
2. By visiting the branch, you can get your ICICI Bank Coral credit card activated as well.

Make sure to submit the necessary documents such as proof of identity, address and income when opting for the offline means of applying for the credit card.Make your credit card bill payments hassle-free with the Pice app. Download it today!

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