ICICI Bank Coral Credit Card

68/100

ICICI Bank

A simple low fee starter card from ICICI with movies, railway lounges and an optional RuPay variant for UPI.

Credwiser Score 68/100

ICICI Bank Coral Credit Card

Name: ICICI Bank Coral Credit Card
Brand: ICICI Bank

ICICI Bank • A simple low fee starter card from ICICI with movies, railway lounges and an optional RuPay variant for UPI.

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Coral is ICICI Bank's entry level Gemstone card with a ₹500 annual fee that can be waived on ₹1,50,000 of yearly spends. It suits beginners who want basic rewards, movie savings and occasional lounge access without paying a premium fee.

Annual Fee (+ 18% GST)₹500 (₹590 incl. GST)

Fee WaiverSpend ₹1,50,000 or more in the previous year to get the annual fee waived for the next year

Joining PerkNo separate joining voucher is listed on the official product page. Core benefits include movie discounts, railway lounge access and spend based airport lounge access.

Primary RewardUp to 2 ICICI Bank Reward Points per ₹100 spent, as listed on the official campaigns page

Airport Lounge Access4 Domestic Lounge visits per year, given as 1 per quarter on spending ₹75,000 or more in the previous quarter for the primary cardholder, plus 1 railway lounge visit per quarter

Forex Markup3.5% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForFirst time card users who want a low fee ICICI card with movies, railway lounges and a RuPay variant for UPI

What We Like

Low ₹500 annual fee with a clear ₹1,50,000 waiver target
RuPay variant can be linked to UPI for merchant payments
Railway lounge access every quarter plus spend based airport lounge access

Watch Out

Airport lounge access needs ₹75,000 of spends in a quarter, which is high for an entry card
Reward value is modest on regular spends
Forex markup of 3.5% plus GST makes it costly for overseas use

MITC & Hidden Charges

Annual fee ₹500 plus GST. 18% GST applies to annual fee (Total ₹590). Other charges as per the issuer's MITC.

ICICI Bank Coral Credit Card FAQs

What is the annual fee of the ICICI Bank Coral Credit Card?

The annual fee is ₹500 plus GST, and it can be waived if you spend ₹1,50,000 or more in the previous year.

Does the Coral Credit Card work on UPI?

Yes, the Coral RuPay variant can be linked to UPI for Person to Merchant payments, as confirmed in ICICI Bank's official press release on RuPay credit cards on UPI.