Entry-level rewards credit card offering movie discounts, milestone rewards, and airport plus railway lounge access.
First-Time ICICI Borrowers, Moviegoers & Domestic Railway Travelers
₹500
One-time upfront₹500
Waived on ₹1.5 lakh annual spend0.25% Back On Utility & Insurance Spends (1 RP/₹100) And 0.50% Back On All Other Eligible Spends (2 RP/₹100)
On eligible spends1 Domestic visits/quarter · ₹75k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank Coral Credit Card is a widely issued entry-level card offering a balance of retail rewards, entertainment perks, and travel lounge access. Cardholders earn 2 ICICI Reward Points per ₹100 spent on domestic retail (0.50% valueback, with 1 RP = ₹0.25) and 1 RP per ₹100 on utilities and insurance. Its headline perk is entertainment: 25% off up to ₹100 on the purchase of a minimum of two movie tickets, twice a month on BookMyShow and INOX (up to ₹2,400 annual savings). On the travel side, it provides 1 complimentary domestic railway lounge visit per quarter to IRCTC Executive Lounges without any spend condition, alongside 1 domestic airport lounge visit per quarter. However, airport lounge access is now strictly subject to spending ₹75,000 or more in the preceding calendar quarter, which is a demanding hurdle for an entry-level ₹500 fee card. The annual fee of ₹500 is waived on ₹1,50,000 annual spend. Who should get it: Movie enthusiasts who book at least two tickets on BookMyShow twice a month and travelers who use IRCTC Executive Railway Lounges. Who should avoid it: Spenders seeking high cashback or regular airport lounge access without heavy quarterly card spend.
0.25% Back On Utility & Insurance Spends (1 RP/₹100) And 0.50% Back On All Other Eligible Spends (2 RP/₹100)
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Domestic Retail Spends | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Utilities & Insurance | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Domestic Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Utilities & Insurance | ₹12,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 2,000 bonus Reward Points (worth Rs 500) on spending Rs 2,00,000 in an anniversary year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Rewards Structure: 2 ICICI Reward Points per ₹100 spent on domestic retail transactions (0.50% return); 1 ICICI Reward Point per ₹100 on utilities and insurance categories (0.25% return); 4 ICICI Reward Points per ₹100 on international transactions (1.00% return). Point Valuation: 1 ICICI Reward Point = ₹0.25. Points can be redeemed for brand gift vouchers or catalog items on the ICICI Rewards portal. ₹99 + GST redemption fee applies. Entertainment Offer: 25% discount up to ₹100 on purchase of a minimum of two tickets, twice a month on BookMyShow and INOX (up to ₹200 savings/month). Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter, contingent upon spending ₹75,000 or more in the preceding calendar quarter. 1 complimentary visit per calendar quarter to IRCTC Executive Railway Lounges across India (no spend requirement). Fee & Waiver: Joining fee ₹500 + GST; annual renewal fee ₹500 + GST waived on cumulative retail spends of ₹1,50,000 in the preceding card anniversary year. Fuel & Exclusions: 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL petrol pumps swiped on ICICI merchant POS machines. Fuel, wallet loads, rent, and government transactions do not earn reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank Coral Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official ICICI Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
ICICI Bank Coral RuPay Credit Card
Best for: Daily digital spenders, UPI power users, and frequent travelers seeking an established bank credit card for mobile QR code merchant payments.
Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 17 Sept 2026
Best for: Entry-Level Online Shoppers, Grocery & Essential Retail Buyers
Rewards: 2 CashPoints per ₹150 spent
Renewal fee waived on ₹50,000 annual spend
Last verified 2 Oct 2026
Best for: Mid-Tier Spenders, Movie Enthusiasts, Weekend Diners & Domestic Travelers
Rewards: 4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
Lounge access: 2 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹3,00,000 annual spend
Last verified 2 Oct 2026
Best for: Entry-Level Online Shoppers & Digital Voucher Seekers
Rewards: 10X points (2.5%) on partners, 5X points (1.25%) on all online shopping
Renewal fee waived on ₹1,00,000 annual spend
Last verified 2 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
Best for: College Students, Young Professionals, Moviegoers & Weekend Dining Enthusiasts
Rewards: 4 EDGE Points per Rs 200 spent
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026