ICICI Bank Coral Credit Card
ICICI Bank • Visa / Mastercard / RuPay
Everyday gemstone card with 2 points per INR 100 on retail, 2X on dining and groceries, movie discounts, and domestic lounge access.
Underwriting & Income Cutoffs
warningAirport Lounge Access Quarterly Spend Threshold Gate
Complimentary domestic airport lounge access requires spending at least INR 75000 in the preceding calendar quarter. Failing to hit this spend gate completely removes lounge privileges for the subsequent quarter.
Airport lounge access free pane ke liye pichle quarter me kam se kam INR 75000 spend karna zaroori hai, warna lounge entry chargeable hogi.
Source: ICICI Bank Credit Card Lounge Access Circular Jan 2025
warningReward Redemption Handling Fee Trap
A flat processing fee of INR 99 + 18% GST (INR 116.82) is debited on every reward point redemption transaction, significantly cutting into small point value redemptions.
Har point redemption par bank INR 99 + GST ka handling fee kaat leta hai, jisse kam points redeem karne par nuksan hota hai.
Source: ICICI Bank MITC Schedule of Charges 2025
warningBookMyShow Movie Discount Two-Ticket Minimum Requirement
The 25% discount up to INR 100 on BookMyShow/INOX is strictly conditional upon purchasing a minimum of 2 cinema tickets per booking, twice per month.
Movie par 25% discount (max INR 100) lene ke liye kam se kam 2 ticket book karna zaroori hai; single ticket par discount nahi milta.
Source: ICICI Bank Coral Movie Benefits Terms and Conditions
warningRetroactive Interest on Partial Dues (Forfeiture of Grace Period)
Unpaid balance causes 3.75% monthly finance charges (45% annual) to apply retroactively from the date of each transaction, revoking interest-free credit on all retail purchases.
Bill ka thoda sa bhi amount unpaid rehne par transaction date se 45% annual interest judna shuru ho jata hai.
Source: ICICI Bank MITC Clause 3
warningFuel Surcharge POS Terminal MCC Misclassification
1% fuel surcharge waiver is valid only between INR 400 and INR 4000 at select fuel outlets. If the fuel pump POS terminal is registered under a general retail MCC, surcharge is levied without waiver.
Agar petrol pump ka machine grocery ya retail code par registered hua, toh 1% fuel waiver nahi milega aur surcharge lag jayega.
Source: Technofino, DesiDime, Reddit r/CreditCardsIndia
Calculate Your Real Annual Profit on ICICI Bank Coral Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card (ICICI Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 1% tak ka value back chahte hain. Lekin ₹500 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (1% return): Fee recover karne ke liye sirf ₹4,167 / mahina (₹50,000 / saal) spend zaroori hai.
• Regular Offline Spends (1% base return): Fee recover karne ke liye lagbhag ₹4,167 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹50,000 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹4,167/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of ICICI Bank Coral Credit Card and how can it be waived?expand_more
ICICI Bank Coral Credit Card ki joining aur annual renewal fee ₹500 + 18% GST (Total: ₹590.00) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for ICICI Bank Coral Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹3,00,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does ICICI Bank Coral Credit Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.