The ICICI Coral credit card, part of ICICI’s esteemed ‘gemstone collection’ which includes other premium cards like Rubyx and Sapphiro, offers enticing benefits for both travel and lifestyle enthusiasts. This card not only provides substantial discounts and deals but also grants access to premium lounges, enhanced with a security-boosting embedded microchip.

Interested in acquiring this versatile credit card? Let’s explore its features, benefits, and the detailed application process, along with the necessary eligibility criteria, fees, and charges.

Benefits and Features

Movie Ticket Discounts

• Receive up to 2 complimentary movie tickets each month, worth ₹250 each. Book one ticket via BookMyShow and get the second ticket free within the same week.
• Purchase one INOX cinema ticket and get another ticket free.

Dining Offers

• Enjoy a minimum of 15% discount on your total bill at over 2,500 restaurants across 12 major cities through the ICICI Bank Culinary Treats program.

Special Lounge Access

• Gain quarterly access to one airport and railway lounge across India.
• Enjoy unrestricted access to chargeable services for yourself and accompanying members.

Fuel Savings

• Benefit from a 1% waiver on fuel surcharges for transactions exceeding ₹4,000 at HPCL petrol pumps.

Payback Points

• Earn 2 payback points for every ₹100 spent on non-fuel purchases.
• Accumulate 1 payback point for every ₹100 spent on utilities and insurance payments.
• Receive a reward of 2000 payback points for credit card transactions totaling ₹2 lakhs and 1,000 points for annual expenditures over ₹1 lakh from the card issue date, with a maximum of 10,000 payback points annually.

How to Apply for the ICICI Coral Credit Card?

1. Visit icicibank.com and navigate to Products > Cards > Credit Cards.
2. On the credit card page, select your net annual income as ‘> 5 lacs’.
3. An image of the ICICI Coral credit card will appear along with an ‘Apply Now’ button.
4. Click ‘Apply Now’ to open the application form.
5. Fill in your personal details and click ‘Get Offers’.
6. Your eligibility will be assessed based on your employment and income details.
7. An image with a description of the card will display on your screen.
8. Click ‘Apply Now’ again, complete the application form and submit it.
9. You can track your application status online, call ICICI customer care, or visit the nearest ICICI bank branch. You can also start the application by calling their toll-free number: 1800-200-3344.

Eligibility and Required Documents

• Eligibility: Applicants should be over 23 years old and Indian residents. Salaried employees must have an annual income over ₹5 lakhs. Self-employed individuals need to provide last year’s ITR documents.
• Required Documents: Identity proof (PAN card, Aadhaar card, voter ID, or driving license), address proof (passport, driving license, utility bills), income proof (ITR documents and last two months’ salary slips), and passport-size colored photographs.

Fees and Charges

• Joining Fee: ₹500 + GST
• Annual Fee (First Year): Nil
• Annual Fee (Subsequent Years): ₹500 + GST
• Late Payment Charge: ₹100-₹750, based on the due amount
• Card Replacement Fee: ₹100
• Cash Advance Fee: 2.5% on the advanced amount
• Over Limit Charge: 2.5% of the over limit amount
• Reward Redemption Fee: ₹99
• Returned Payment Fee: 2% of the total amount
• Interest Rate: 1.25%-3.5% per month

Frequently Asked Questions (FAQs)

How Do I Redeem My Reward Points?
You have two methods available for redeeming your reward points:

• Contact customer service representatives locally for a detailed walkthrough on how to redeem your points.
• Access your netbanking account, navigate to the ‘credit card’ section, select ‘reward points’, and proceed to ‘redeem online’.

What GST Rate is Applicable on My ICICI Coral Credit Card?
The Goods and Services Tax (GST) applicable on your ICICI Coral Credit Card will be 18% of the total charges incurred.

Can I Change My PIN If I Forget It?
Yes, if you forget your PIN, you can reset it by visiting your nearest ICICI Bank ATM or through your netbanking account.

Is There an Annual Renewal Fee?
The annual renewal fee for the second year may be waived if your expenditures in the previous year exceeded ₹1,50,000.

How Can I Redeem My ICICI Coral Credit Card Rewards?
Redeem your rewards by shopping online with Payback. Simply choose ‘Payback points’ as your payment option, input your details, and apply your points.

Is the ICICI Coral Credit Card Secure to Use?
The ICICI Coral Credit Card is equipped with an encrypted microchip, enhancing security against fraudulent activities. For transactions at merchants, entry of a PIN is required.

Can I Use the ICICI Coral Credit Card to Book Movie Tickets on Any Website?
The movie ticket offers are exclusive to bookings made through the BookMyShow and INOX cinema websites. Eligibility for these offers requires payment with the ICICI Coral Credit Card on these platforms.

What Is the Minimum Number of Reward Points Needed for Redemption?
There is no minimum threshold for redeeming your reward points. You can redeem them whenever you choose.

How Can I Check My Credit Card Balance?
To check your credit card balance, send an SMS from your registered mobile number to 5676766 with the message “IBALCC” followed by the last six digits of your credit card.

What Is the Validity of Reward Points on the ICICI Coral Credit Card?
The reward points on your ICICI Coral Credit Card remain valid as long as your account is active.

Where Can I Make Payments for My ICICI Coral Credit Card Bill?
You can conveniently make payments for your ICICI Coral Credit Card bill online via net banking .