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ICICI Bank
VISA
Coral

ICICI Bank Coral

An affordable entry-level lifestyle card with movie offers, dining discounts and a low fee-waiver spend threshold.

first-timersfees-freedininglifestyle

Also available on RuPay

ICICI Bank Coral is issued on more than one network — each has different rewards and lounge access.

  • ICICI Bank
    RuPay
    Coral RuPay

    RuPay variant

    Adds UPI linking, a dedicated 24x7 concierge line, and a ₹2 lakh personal accident cover that the Visa sibling does not carry. Accepts a wider maximum applicant age (65 vs 58) but has narrower overseas acceptance than Visa despite the same headline forex markup.

Last reviewed 15 July 2026

Fees

Joining fee

₹500

Annual fee

₹500

Waiver: First year fee waived; renewal fee waived on annual spend of ₹1,50,000 or more

Eligibility

Min. monthly income: ₹20,000

Age: 21–58 yrs

Employment: salaried, self employed

Rewards

all other2x points

Welcome benefits

  • • First year annual fee waived, plus complimentary ICICI Bank Food Treats Plan dining membership

Perks

  • ✓Domestic lounge access: 4/yr1 complimentary domestic airport lounge visit per quarter, unlocked by ₹75,000 spend in the preceding quarter (confirmed on ICICI Bank's own FAQ; some older aggregator listings still cite a stale ₹35,000 figure), plus 1 railway lounge visit per quarter
  • ✓Fuel surcharge waiver: 1%Capped at ₹250/month
  • ✓Forex markup: 3.5%
  • ✓Personal accident cover: ₹2 lakh (RuPay variant only)
  • ✓Milestone bonus: 2,000 points on ₹2 lakh annual spend, plus 1,000 points per additional ₹1 lakh (up to 10,000 points/year)
  • ✓Concierge services available on the RuPay variant

Common questions

What is the annual fee on the ICICI Bank Coral?
The joining fee is ₹500. The annual fee is ₹500. First year fee waived; renewal fee waived on annual spend of ₹1,50,000 or more
What are the reward rates on the ICICI Bank Coral?
ICICI Bank Coral earns 2x points on all other spends.
Does the ICICI Bank Coral offer airport lounge access?
Yes: 4 domestic lounge visits per year (1 complimentary domestic airport lounge visit per quarter, unlocked by ₹75,000 spend in the preceding quarter (confirmed on ICICI Bank's own FAQ; some older aggregator listings still cite a stale ₹35,000 figure), plus 1 railway lounge visit per quarter).
Who is eligible for the ICICI Bank Coral?
Applicants typically need a minimum monthly income of ₹20,000, a minimum annual income of ₹3,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by ICICI Bank and can vary by application.
Is the ICICI Bank Coral available on other networks?
Yes, it's also issued on RuPay. Adds UPI linking, a dedicated 24x7 concierge line, and a ₹2 lakh personal accident cover that the Visa sibling does not carry. Accepts a wider maximum applicant age (65 vs 58) but has narrower overseas acceptance than Visa despite the same headline forex markup.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
2x points
Estimated annual value—
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