ICICI Bank
InterMiles ICICI Bank Coral Credit Card
Annual Fee
₹707₹599 + GSTBase Reward
2% points
Foreign Markup
3.5% of transaction amount
Welcome Benefits
2,500 bonus InterMiles and travel-related vouchers worth ₹750
Product Highlights
- 2,500 bonus InterMiles and flight & hotel discount vouchers worth ₹750 as welcome benefits.
- Earn accelerated InterMiles on flight and hotel booking from www.intermiles.com.
- Get complimentary access to a domestic airport lounge every quarter.
- Discount of up to ₹100 on movies on BookMyShow.
- 15% or more discount on dining.
Category Rewards
travel
6 InterMiles on revenue airline tickets
6X
entertainment
25% off on movie tickets
25X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
intermiles
6 InterMiles per ₹100 on intermiles.com bookings (Amex variant)
intermiles
5 InterMiles per ₹100 on intermiles.com bookings (Visa variant)
Reward Calculator
Earns ₹1,837/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
6.4K
InterMiles
₹2.5K
via standard · ₹0.4/pt
Effective rate
1.32%
Annual fee
₹707
Year 1 net
+₹1,837
Year 2+ net
+₹1,837
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & 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 3 InterMiles on every ₹100 spent on the American Express variant and 2 InterMiles per ₹100 spent on the VISA variant. Earn 6 InterMiles on every ₹100 spent on booking revenue airline tickets at intermiles.com on American Express variant and 5 InterMiles per ₹100 on VISA variant.
- 4 InterMiles = ₹1 (only applicable for fuel purchase)
Benefits & Features
Domestic: 2 complimentary access to domestic lounges per quarter (Spend ₹5,000 in the previous quarter) Complimentary access to domestic airport lounges every quarter.
Pros & Cons
Pros
- 2,500 bonus InterMiles on joining.
- Complimentary domestic lounge access.
- Discounts on movie tickets and dining.
Cons
- Annual fee of ₹1,250 + GST.
- No international lounge access.
Additional Info
Welcome benefits received within 45 days post joining.
Renewal benefits received within 45 days after annual fee payment.
Earn up to 40,000 InterMiles every year on transactions.
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Networks