ICICI Bank Coral Credit Card

ICICI Bank · Open to apply

ICICI's low-fee everyday card: 2 reward points per ₹100, a quarterly lounge visit and movie offers, with a ₹500 fee that is waived at ₹1.5 lakh of yearly spend.

Annual fee
₹500 + GST a year
Joining fee
₹500 + GST
Fee waiver
Annual fee waived on ₹1,50,000 spend per card year
Base rate
Retail spends, 2 points per ₹100: 2 ICICI Bank Reward Points per ₹100 (about 0.5% at cash value)
Lounges
Domestic: 1 visit a calendar quarter after ₹75,000 spend; Railway: 4 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 24 Oct 2026

Earns nothing on

  • No points on cash, rent, fuel, e-wallet loads or EMI

Where the sources disagree

  • Annual fee waiver wording and timing: The product page says spend over ₹1.5 lakh waives the next year's fee. The MITC footnote says spends of ₹1,50,000 or more reverse the same year's fee at the end of the anniversary year. We use the MITC.

Terms the calculator does not value

  • ICICI publishes no current rupee value per reward point. The calculator uses the third-party figure of ₹0.25, so every points-based number on this card moves with it.
  • Whether the RuPay variant has the same fees and rewards as the page describes is not stated, and UPI earning on RuPay is not stated. The calculator credits UPI spends at the normal rate on that variant.
  • The railway lounge count conflicts on the product page: 4 a year in the benefits block, 1 a quarter in the FAQ. Four a year is recorded.
  • The grocery and departmental cap group also holds MCC 5331 (variety stores), which has no category of our own here, so it is valued at the base rate without the cap. The transport cap covers MCCs 4111, 4112, 4131 and 4784; IRCTC (4112) and tolls (4784) are capped here, while local transit (4111) and buses (4131) have no category of their own and are valued at the uncapped base rate.

Sources

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