ICICI Coral Review 2026
Last reviewed:
Quick verdict
A decent starter card for those building their credit history with ICICI Bank. The 15% dining discount is genuinely useful for eating out, and 4 lounge visits per year is rare at this low price point. Think of it as a stepping stone to the Sapphiro or Emeralde cards.
Pros
- Airport lounge access: 4 domestic per year (1/quarter)
- Accessible eligibility — minimum income around ₹20,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.40% per month (40.80% p.a.) if you carry a balance
Key benefits
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
Fees & charges at a glance
| Joining Fee | ₹500 + GST |
|---|---|
| Annual Fee | ₹500 + GST |
| Rewards | 2 points per ₹100 on all spends |
| Welcome Benefit | None |
| Lounge Access | 4 domestic per year (1/quarter) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹20,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The ICICI Coral is best suited for first time users. It is a entry level card on the Visa network, and ICICI Bank generally looks for a minimum income of ₹20,000/month. If your spending matches its reward categories (2 points per ₹100 on all spends), the card can pay for its annual fee of ₹500 + GST. If not, a lifetime-free card may give you better net value.
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ICICI Coral: frequently asked questions
What is the annual fee of the ICICI Coral?
The ICICI Coral has a joining fee of ₹500 + GST and an annual fee of ₹500 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with ICICI Bank.
What rewards does the ICICI Coral give?
2 points per ₹100 on all spends. 15% savings on dining bills. 1 complimentary domestic lounge visit per quarter.
Does the ICICI Coral offer airport lounge access?
Yes. The ICICI Coral offers 4 domestic per year (1/quarter). Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with ICICI Bank.
What is the eligibility and minimum income for the ICICI Coral?
ICICI Bank typically requires a minimum income of ₹20,000/month for the ICICI Coral, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the ICICI Coral?
The ICICI Coral charges 3.40% per month (40.80% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the ICICI Coral?
The foreign currency markup on the ICICI Coral is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the ICICI Coral to UPI?
No. The ICICI Coral runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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