The ICICI Bank Coral Credit Card is a lifestyle credit card that is owned by frequent buyers and travellers who want to enjoy a combination of rewards, savings, and privileges. With a minimum joining fee and a variety of benefits spread across entertainment, dining, and travel as well as day-to-day expenses, the Coral Credit Card is absolute value for money. This detailed article has got you covered with all the information you may require about the ICICI Bank Coral Credit Card, from its benefits and features to rewards scheme and fees, and how you can apply. 

What Makes ICICI Bank Coral Credit Card Special?

Coral Credit Card is a Gemstone Collection card of ICICI Bank for customers who desire to save maximum and be privileged with lifestyle benefits. Whether you like watching movies, eating out, or travelling, there are benefits of this card that will make your experience worthwhile and reward your spending.

Benefits of ICICI Coral Credit Card

1. Entertainment Benefits

BookMyShow Benefits

  • Enjoy 25% discount (up to ₹100) on booking a minimum of two movie tickets per transaction via BookMyShow.
  • This offer can be availed twice a month, making it perfect for movie lovers.
  • Bookings are available on a first-come-first-serve basis and are subject to daily stock availability.

INOX Benefits

  • Get 25% off (up to ₹100) on the purchase of two or more tickets through inoxmovies.com, the INOX app, or at the INOX box office.
  • Available twice a month on a first-come-first-serve basis.
  • Subject to stock availability every day.

2. Dining, Wellness & Hotel Offers

ICICI Bank Culinary Treats

The Culinary Treats Program is crafted to make dining more enjoyable. With tie-ups across a wide range of restaurants, you can:

  • Access special discounts at partner restaurants.
  • Explore multiple cuisines at reduced prices.
  • Elevate your dining experience at premium outlets across India.

Swiggy Food Delivery Offers

  • Offer 1 (Existing Customers): Get ₹50 off on orders worth ₹649 or more.
  • Offer 2 (New Customers): Get ₹50 off on orders worth ₹599 or more.
  • Valid every Friday to Sunday till September 28, 2025.
  • Applicable once per user, per card, per month.

EazyDiner Offer

  • Enjoy ₹300 off on a minimum bill of ₹4,000 at select restaurants.
  • Valid every Friday to Sunday from June 1, 2025, to March 31, 2026.

Exclusive Offers from Visa

With your Coral Credit Card powered by Visa, you get:

  • Special privileges at luxury hotels.
  • Discounts on restaurants, spas, and lifestyle stores.
  • Benefits applicable both in India and abroad.

Mastercard Experiences

If you own the Mastercard variant, you get access to Mastercard Moments—a program designed to:

  • Offer unique lifestyle experiences.
  • Provide exclusive travel, dining, and entertainment deals.
  • Add a touch of luxury to everyday living.

3. Travel Benefits – Access to Airport and Railway Lounges

Airport Lounge Access with Visa

  • Get 1 complimentary airport lounge visit per quarter at select Indian airports.
  • To unlock continued lounge access, spend ₹75,000 in the previous calendar quarter.
  • Beyond free visits, additional lounge usage is chargeable at standard rates.
  • Privileges include gourmet meals, Wi-Fi, comfortable seating, TVs, and beverages.

Railway Lounge Access

  • Enjoy 1 complimentary railway lounge visit per quarter at select railway stations.
  • Exclusively available for primary cardholders.

Mastercard Lounge Access

If you hold the Mastercard variant, you get exclusive entry into premium airport and railway lounges in India. This benefit adds extra comfort and relaxation to your travel, whether domestic or international.

4. Other Benefits

Chip & PIN Security

The ICICI Coral Credit Card is equipped with EMV chip technology and mandatory PIN authentication. This ensures enhanced protection against fraud, counterfeiting, and unauthorized use.

Fuel Surcharge Waiver

  • Get a 1% fuel surcharge waiver every time you refuel at HPCL petrol pumps.
  • Applicable for transactions up to ₹4,000 per swipe, only when the card is swiped on ICICI Merchant Services swipe machines.

Notable Features of ICICI Bank Coral Credit Card

  • Joining Fee: ₹500 + GST

  • Annual Fee: ₹500 (from second year onwards) (waived off if you spend ₹1,50,000 or more

  • Credit Limit: Based on income and credit card history, with convenient credit limit increases through SMS or iMobile Pay mobile app

  • Interest-Free Credit Period: Maximum 48 days (on purchases only, not on cash advances)

  • Contactless Payments: Facilitated for faster and more convenient payments

  • Reward Points Validity: Reward points are always redeemable and earnable at any point in time through Internet banking or the mobile app

  • Fuel Surcharge Waiver: 1% fuel surcharge discount at HPCL petrol pumps and up to ₹4,000 per transaction

  • Free Lounge Visit: 1 per quarter at a domestic airport lounge and 1 per quarter at a railway lounge.

  • Customer Care: Helpline is 24/7 available and online customer care for card management and reward redemption

How to Apply for an ICICI Bank Coral Credit Card?

ICICI Bank Coral Credit Card application is an easy online or offline procedure and can be made at any ICICI Bank branch. Keep the necessary documents with you and meet the eligibility criteria before applying.

Eligibility Criteria

  • Age: 21 years and above
  • Income: Regular source of income (salaried or self-employed)
  • Credit Score: Must be as per ICICI Bank's criteria

Documents Required

When applying for the ICICI Coral Credit Card, you need to submit certain documents to verify your identity, residence, and income. Below is the list of acceptable documents:

Proof of Identity

  • PAN Card
  • Aadhaar Card
  • Passport
  • Driving Licence
  • Voter ID Card or any other valid Government-issued photo identity proof

Proof of Address

  • Aadhaar Card
  • Passport
  • Recent utility bills (electricity, telephone, gas – not older than 3 months)
  • Any other officially valid Government-approved address document

Proof of Income

  • Latest 3 months’ bank statements
  • Last 3 months’ salary slips (for salaried applicants)
  • Form 16 or audited financial statements of the last 2 years (for self-employed applicants)

Application Process 

Planning to apply for ICICI bank credit coral card, follow the below mentioned steps:

Step 1: ICICI Bank Website Visit: Open the official website of ICICI Bank and go to the 'Credit Cards' tab. Choose the Coral Credit Card.

Step 2: Check Eligibility: Check your eligibility using the eligibility checker tool if available for pre-selection.

Step 3: Fill out the Online Application Form: Fill in your personal, contact, and financial details correctly.

Step 4: Upload Documents: Scan and upload copies of identity, address, and income proof.

Step 5: Submit the Application: Check and submit your application. You may receive a call for verification.

Step 6: Track Application Status: Keep a track of your application online with the reference number.

Step 7: Get Your Card: When approved, your card will be sent to your registered address.

Alternatively, you can contact  the nearest ICICI Bank branch with your documents and apply in person.

Options for Redeeming Rewards

The reward points accumulated on the Coral Credit Card can be redeemed through several convenient channels:

  • Online: Under Cards & Loans > Redeem Reward Points in ICICI Bank Internet Banking
  • Mobile App: Through the iMobile Pay app under the Cards & Forex section
  • Customer Care: By calling ICICI Bank's reward points helpline
  • Redemption Options: Points can be redeemed for movies, travel vouchers, lifestyle items, electronics, appliances, or cash in your card account.

Type of Fee & Amount / Condition

Type of Fee

Amount / Condition

Joining Fee

₹500 + GST

Annual Fee

₹500 from 2nd year onwards (waived if annual spending ≥ ₹1,50,000)

Supplementary Card Fee

Nil (max 2 supplementary cards allowed)

Fuel Surcharge

1% waiver on fuel surcharge at HPCL petrol stations (max ₹4,000 per transaction)

Estimated Savings (Annual Spend: ₹3,60,000)

Benefit

Estimated Savings

Discounts on movies

₹2,400

Discounts on eating out

₹3,600

Reward points on spends

₹1,425

Milestone rewards

₹750

Free use of airport lounges

₹4,000

Fuel surcharge waiver

₹600

Free use of railway lounges

₹2,000

Total Estimated Savings

₹11,175


Who can Apply for an ICICI Bank Coral Credit Card?

  • Regular movie-enthusiast willing to cut down on ticket expenses
  • Foodies willing to dine out at lower prices
  • Average fliers willing to enjoy exclusive lounge service at no additional cost
  • Splurgers willing to earn reward points on their day-to-day spend
  • Value-users willing to enjoy a low-fee card with decent benefits

Conclusion

The ICICI Bank Coral Credit Card is an extremely useful and rewarding credit card for an extensive variety of lifestyle requirements. It comes with attractive discounts on cinema, dining, and fuel, as well as rewarding points on regular spending. Free lounge access and milestone rewards make the card valuable, and it is a great option for regular travellers and shoppers. With a low joining fee and annual fee rebate on spend thresholds, it is great value for money.

FAQs on ICICI Coral Credit Card Benefits

1. What are the entertainment benefits of ICICI Coral Credit Card?
ICICI Coral Credit Card offers 25% discount (up to ₹100) on a minimum purchase of two movie tickets per transaction on BookMyShow and INOX, twice a month, subject to availability.

2. Does ICICI Coral Credit Card provide dining offers?
Yes. The card gives access to the ICICI Culinary Treats Programme, discounts on Swiggy and EazyDiner, plus exclusive Visa and Mastercard lifestyle offers.

3. Do I get complimentary lounge access with ICICI Coral Credit Card?
Yes. Cardholders get 1 complimentary airport lounge and 1 railway lounge visit per quarter in India. Continued lounge access requires ₹75,000 spend in the previous quarter.

4. What are the fuel benefits of ICICI Coral Credit Card?
You get a 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL pumps when swiping through ICICI Merchant Services POS machines.

6. How many movie offers can I avail per month with ICICI Coral Credit Card?
You can avail two movie discounts per month each on BookMyShow and INOX, making it up to four discounted transactions monthly.

7. Does ICICI Coral Credit Card offer international benefits?
Yes. Coral cardholders can access Visa and Mastercard global lifestyle offers, including discounts at luxury hotels, spas, restaurants, and shopping outlets worldwide.

 

Disclaimer: This page includes information compiled from many sources and is only offered for informational purposes. Given that this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to making any choices or actions.