CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

Coral Credit Card

29
Ranked #98 of 170 in credit
creditVisa/Mastercard/RuPay/AmExEntry-level

ICICI entry-level lifestyle card notable for unconditional railway lounge access, strong movie discounts, and RuPay lifetime-free option with bonus insurance — positioned as a first-credit-card option for new-to-credit users.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%
≈ 0.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks35/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Waived on Rs 1.5 lakh annual spend in previous year; RuPay variant available lifetime free (paid Visa/Mastercard/AmEx variants are not LTF)
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.50%(2 pts @ ₹0.25)—2 points per Rs 100 spent (0.5% actual at ~Re 0.25/point); excludes fuel
utilitiespoints0.25%(1 pts @ ₹0.25)—1 point per Rs 100 on utilities and insurance

Welcome offer

No joining benefit on the paid variant (per CardInsider)

Milestone benefits

Pros

  • Rewards typically-excluded categories (utilities, insurance), unconditional railway lounge access (4/year, no spend gate — unusual), strong movie discounts (up to Rs 4,800/year via BookMyShow/INOX twice monthly), RuPay variant available lifetime free with UPI linkage and bonus Rs 2 lakh insurance, achievable milestone bonuses

Cons

  • Low base reward rate (0.5-2% depending on category) with correspondingly low redemption value, domestic-lounge-only spend threshold heavily disputed across sources (verify before quoting), fuel surcharge waiver limited to HPCL only (not all fuel stations)

What's inside

More benefits

  • BookMyShow/INOX movie discount

    ₹100

    25% off (up to Rs 100) on 2 movie tickets, twice/month

    Cap ₹2,400 / monthly. 2 tickets minimum per transaction

  • Culinary Treats dining discount

    15%+ discount at 2,500+ partner restaurants including TGI Fridays, CCD, Pizza Hut

    unlimited.

  • RuPay personal insurance

    ₹2,00,000

    Rs 2 lakh personal insurance cover on RuPay variant only

    yearly. RuPay variant only

Insurance cover

text
₹NaN

Eligibility

text
Age 18+; salaried income Rs 20,000/month+ or self-employed Rs 2.4-3 lakh/year (sources vary slightly)

Small print

Fuel surcharge:1% fuel surcharge waiver at HPCL fuel stations only, Rs 400-4,000 transactions