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

ICICI Coral Credit Card

29
Ranked #99 of 170 in credit
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ICICI's entry-level card from the Gemstone series aimed at new-to-credit users, offering modest rewards plus strong movie, dining, and railway lounge perks at a very low fee.

Score breakdown

Data completeness: 95% · 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: Annual fee waived on annual spend of Rs 1.5 lakh
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
diningpoints0.50%(2 pts @ ₹0.25)—2 PAYBACK Points per Rs 100 spent on dining and supermarkets
all_spendspoints0.50%(2 pts @ ₹0.25)—2 RP per Rs 100 general spends
utilitiespoints0.25%(1 pts @ ₹0.25)—1 RP per Rs 100 on utility and insurance payments

Welcome offer

None for paid variant (per some sources); RuPay variant may include partner OTT/streaming trial bundle in some promotions

Milestone benefits

Pros

  • Very low fee, easily waived at Rs 1.5L spend
  • rewards on utility/insurance (usually excluded elsewhere)
  • BOGO movie tickets via BookMyShow/INOX (2x/month, up to Rs 100 off)
  • free railway lounge access with no spend condition
  • 15%+ dining discount at 2,500+ restaurants

Cons

  • Domestic airport lounge now requires high Rs 75,000/quarter spend (from 2026 revision)
  • no international lounge
  • low base reward rate
  • movie offer now also spend-gated (Rs 25,000/quarter from April 2026)

What's inside

More benefits

  • BookMyShow/INOX movie discount

    ₹100

    25% off or Rs 100 off (whichever lower) on min. 2 tickets

    Cap ₹2,400 / monthly. Twice/month; from April 2026 requires Rs 25,000 quarterly spend

Insurance cover

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₹NaN

Eligibility

text
Age 21-65; salaried min income Rs 20,000/month (some sources cite Rs 5 lakh/annum), self-employed min Rs 3 lakh/annum

Small print

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