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

ICICI Coral Paywave Debit Card

29
Ranked #26 of 66 in debit
debitMastercardEntry-Mid

ICICI Bank's popular entry-mid debit card offering lounge access eligibility (spend-conditional) and merchant welcome vouchers at a low annual fee.

Score breakdown

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

Reward value13/100 · weight 71%
≈ 0.63% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency99/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks19/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
₹99 + 18% GST
= ₹117 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_spendspoints1.00%(4 pts @ ₹0.25)—4 PAYBACK points for every Rs 200 spent online
all_spendspoints0.50%(2 pts @ ₹0.25)—2 PAYBACK points for every Rs 200 spent offline

Welcome offer

Gift vouchers and reward points from merchant outlets on card issuance

Milestone benefits

Pros

  • Low fee (Rs99/year)
  • genuine lounge access eligibility for an entry-mid tier card
  • welcome vouchers from merchant partners

Cons

  • Lounge access requires meeting the Rs10,000 spend threshold
  • entry-tier reward economics

Insurance cover

text
₹NaN

Eligibility

text
ICICI Bank savings account holder

Small print

Fuel surcharge:1% waiver on fuel transactions