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ICICI Coral Credit Card

The ICICI Coral Credit Card offers a first-year fee of ₹500 plus taxes and provides rewards and lifestyle benefits. Cardholders earn 2,000 bonus points on annual spending of ₹2 lakh, enjoy up to 4 airport and railway lounge visits per year, and get discounts of up to 25% on movies via BookMyShow and INOX.

ICICI Coral Credit Card

About ICICI Bank Coral Credit Card

The ICICI Coral Credit Card is designed as a beginner-friendly option, ideal for individuals new to credit. It offers a reasonable rewards program, access to airport and railway lounges, movie discounts, and dining privileges. With a modest annual fee of Rs. 500, it’s a practical choice for those looking to build their credit history while enjoying cost-effective perks. Additionally, users of the RuPay variant benefit from features like 24×7 concierge support and insurance coverage. If your priority is higher reward rates or more extensive category-specific benefits, you might want to explore other credit card options.

Rewards Program – ICICI Coral Credit Card

Earning Rewards:

  • Earn 2 reward points for every Rs. 100 spent on general retail purchases.

  • Earn 1 reward point for every Rs. 100 spent on utility bills and insurance payments.

Milestone Bonuses:

  • Receive 2,000 bonus points on achieving Rs. 2 lakh in annual spending.

  • Earn an extra 1,000 points for each additional Rs. 1 lakh spent beyond the Rs. 2 lakh threshold.

Redemption Options:

  • Points can be redeemed across a wide range of categories, such as travel, electronics, fashion, health & beauty, lifestyle products, home appliances, and shopping vouchers.

Other Features & Benefits – ICICI Coral Credit Card

Airport & Railway Lounge Access:

  • One complimentary domestic airport lounge visit per quarter on a minimum spend of Rs. 75,000 in that quarter.

  • Up to four railway lounge visits annually.

Movie Offers:

  • Get 25% off (up to Rs. 100) on a minimum booking of 2 tickets at INOX or via BookMyShow, available twice a month.

Dining Discounts:

  • Enjoy exclusive discounts on meals through the ICICI Bank Culinary Treats program.

Annual Fee Waiver:

  • The annual fee is waived if you spend Rs. 1.5 lakh or more in the previous year.

RuPay Card Advantages:

  • Round-the-clock assistance via concierge services.

  • Personal accident insurance coverage up to Rs. 2 lakh for RuPay credit cardholders.

Fuel Savings:

  • Receive a 1% fuel surcharge waiver on HPCL fuel purchases between Rs. 400 and Rs. 4,000.

ICICI Coral Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

ICICI Bank Coral Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 500 + Applicable Taxes
Finance Charges 3.75% per month (or 45% per annum)
Late Payment Charges
On outstanding balance of –
Less than Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before Applying – ICICI Coral Credit Card

Who Should Consider This Card:

  • Ideal for those seeking an entry-level credit card with a low annual fee.

  • Suitable for individuals looking for a rewards card that also offers lifestyle perks.

  • Best for users who can make the most of milestone bonus points by spending Rs. 2 lakh or more annually.

Eligibility Requirements:

  • Age: Between 21 and 65 years.

  • Minimum Income (Salaried): Rs. 20,000 per month.

  • Minimum Income (Self-Employed): Rs. 2.4 lakh per year.

Steps to Close ICICI Coral Credit Card

If you want to permanently close your ICICI Coral Credit Card, you can use both online and offline options provided by ICICI Bank. Following the correct steps helps ensure a smooth and secure closure process.

Close via Net Banking (Online Method)

You can easily place a closure request through ICICI Bank’s net banking portal

  • Log in to your ICICI Bank net banking account using your credentials
  • Navigate to the “My Cards” or “Credit Cards” section
  • Select your ICICI Coral Credit Card from the list
  • Click on the option such as “Deactivate Card” or “Close Credit Card”
  • Follow the instructions shown on the screen and submit your request

Note: The bank may take a few working days to process and complete the closure request

Close via Customer Care (Offline Method)

You can also contact ICICI Bank customer support to initiate the closure

Process details

  • Ask the customer care executive to raise a request for credit card closure
  • Provide the last four digits of your card and your registered mobile number
  • Complete the required verification steps
  • Follow the guidance provided by the representative to finish the process

Important Points Before Closing

  • Ensure that all outstanding balances, including EMIs, interest, and fees, are fully cleared
  • Redeem any available reward points or benefits before closing the card
  • Cancel all auto-payments and subscriptions linked to the card
  • Avoid making any transactions after submitting the closure request

After Card Closure

  • Wait for confirmation via SMS or email from the bank
  • Cut the card diagonally across the chip and magnetic strip for safety
  • Review your credit report after a few weeks to confirm that the card status is updated as “Closed”
  • Contact the bank immediately if you notice any discrepancy in the closure status

ICICI Coral Credit Card Helpline Number

If you need assistance related to your ICICI Coral Credit Card, you can contact the customer support team of ICICI Bank. The bank offers multiple support channels to help with billing concerns, payments, card blocking, reward points, and other credit card services.

Customer Care Helpline Numbers (India)

  • Toll-Free Number: 1800 1080
  • This number is available 24×7 for general banking and credit card-related support

Support for Customers Travelling Abroad

  • International Helpline: +91-22-33667777
  • This number can be used when calling from outside India

NRI Customer Support

Email Support

You can send your queries, complaints, or service requests from your registered email ID for quicker response.

Services Available

  • Assistance with credit card billing and statement-related issues
  • Help with payments and outstanding dues
  • Support for reward points and card benefits
  • Reporting and blocking lost or stolen cards
  • Requests for card reissue, upgrade, or limit changes
  • Guidance for credit card closure or cancellation

Important Guidelines

  • Always use official ICICI Bank contact details to avoid fraud or scams
  • Keep your registered mobile number and card details ready for identity verification
  • Do not share confidential details such as OTP, PIN, or CVV with anyone
  • Make sure to note your complaint or reference number for future follow-up

FAQs

Does the ICICI Coral Credit Card offer any movie-related benefits?

Yes, cardholders can enjoy up to 2 movie tickets per month through BookMyShow and INOX.

Cash withdrawals attract a fee of 2.5% of the withdrawn amount, with a minimum charge of Rs. 500. Interest is also applied at 3.75% per month until the amount is repaid.

Absolutely. The card is equipped with a chip that ensures enhanced security for offline transactions at stores and ATMs.

No, the ICICI Coral Credit Card only provides complimentary access to domestic airport and railway lounges.

Cardholders receive one complimentary domestic airport lounge visit per quarter, provided a minimum spend of Rs. 75,000 is made in the preceding quarter.