ICICI Bank
ICICI Bank Coral Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% points
Foreign Markup
3.5% of the transaction amount
Product Highlights
- 2 Reward Points per ₹100 spent on all purchases except fuel.
- 1 complimentary domestic lounge access every quarter.
- 25% discount on movie ticket booking on BookMyShow and Inox.
Category Rewards
utilities
1 RP per ₹100 on utilities/insurance
0.25X
Specialty
1 RP per ₹100 on utilities/insurance
0.25X
Fee Waiver
Waived on ₹1.5L annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
2 Reward Points per ₹100
Inox
2 Reward Points per ₹100
Reward Calculator
Earns ₹100/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
2.8K
ICICI Reward Points
₹690
via standard · ₹0.25/pt
Effective rate
0.44%
Annual fee
₹590
Year 1 net
+₹100
Year 2+ net
+₹100
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
2,000 reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 Reward Points per ₹100 spent on all purchases except fuel, and 1 Reward Point per ₹100 spent on utilities and insurance. Enjoy discounts on movie tickets at BookMyShow and Inox.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 4 complimentary visits per year (Spend ₹75,000 in the previous calendar quarter.) International: N/A Complimentary access to domestic lounges without any spend-based criteria.
Pros & Cons
Pros
- Free railway lounge access without spending criteria.
- Linkable to UPI for payments.
Cons
- No joining benefits for paid Coral variant.
Additional Info
Important note 1
Note 2
N/A
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
23 yrs
Salaried
₹5.0L+
Networks
Fee Waiver
Waived on ₹1.5L annual spend