ICICI Bank · researched credit card
ICICI Bank Coral Credit Card
A mainstream ICICI lifestyle card combining modest rewards, movie offers, fuel-surcharge waiver and spend-conditioned domestic lounge access.
First-party evidenceActiveReviewed September 11, 2026
Annual fee₹500 + GST
Joining fee₹500 + GST
NetworkVisa / Mastercard / RuPay variant as offered
Last reviewedSeptember 11, 2026
Research processPublished by bankingreference.info
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
3 first-party sources
Last checkedSeptember 11, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: October 26, 2026.
Decision brief
Start with fit before chasing headline benefits.
The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.
- Domestic airport lounge access requires ₹75,000 spend in the preceding calendar quarter and is for the primary cardholder.
- Movie offers also have transaction and eligibility conditions.
- The ₹1.5 lakh fee-waiver target should not encourage incremental spending.
Four critical factors
Read these four fields before anything else.
They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.
Published terms
Exact decision fields from the maintained profile.
These fields preserve source wording and conditions rather than reducing the card to a single score.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverAnnual fee waived for the next year on spends over ₹1.5 lakh
Rewards2 ICICI Bank Reward Points per ₹100 on eligible retail spends; 1 point per ₹100 on eligible utility and insurance spends on the reviewed issuer page
NetworkVisa / Mastercard / RuPay variant as offered
Lounge access1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter, for the primary cardholder; 1 complimentary railway lounge visit per quarter is listed separately.
Forex markup3.5% foreign-currency markup
Value interpretation
Separate published mechanics from personal value.
The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.
Annual-cost test
Treat the annual fee as a cost that must be recovered from benefits you would have used anyway.
Reward-value test
Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.
Travel-benefit test
Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.
Approval reality
Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.
Decision checklist
Five questions to answer before applying.
These questions turn the researched terms into a personal decision without estimating approval odds.
Would you pay the stated annual fee if you did not hit the waiver?
₹500 + GST · Annual fee waived for the next year on spends over ₹1.5 lakh
Does your normal spending actually fall into the card’s rewarded categories?
2 ICICI Bank Reward Points per ₹100 on eligible retail spends; 1 point per ₹100 on eligible utility and insurance spends on the reviewed issuer page
Are the lounge and international-use terms useful for your real travel pattern?
1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter, for the primary cardholder; 1 complimentary railway lounge visit per quarter is listed separately. · 3.5% foreign-currency markup
Can you realistically track the caps, channels and exclusions behind the headline benefit?
Domestic airport lounge access requires ₹75,000 spend in the preceding calendar quarter and is for the primary cardholder. Movie offers also have transaction and eligibility conditions.
Does the application route fit your profile without assuming approval?
Subject to ICICI Bank underwriting and approval; current product terms and documentation requirements apply
Eligibility & underwriting
Published eligibility is not an approval prediction.
Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.
Published eligibility
Subject to ICICI Bank underwriting and approval; current product terms and documentation requirements apply
Maintained comparisons
Compare this card against exact researched alternatives.
Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Research next
Alternatives without pretending one card is universally better.
These routes help you inspect related cards, the same issuer's portfolio and—where mapped—the wider bank relationship.
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First-party evidence ledger
Verify the card against the documents behind the profile.
Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.
Evidence statefirst party verified
ReviewedSeptember 11, 2026
Issuer documents3
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceIssuer product pageView ↗
Supporting source 2Issuer product pageView ↗
Supporting source 3Issuer product pageView ↗
Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.