ICICI Bank Coral Credit Card against Fixed Deposit
ICICI Bank · Open to apply
The Coral card issued against an ICICI fixed deposit of ₹50,000 or more, with a limit of up to 90% of the deposit: 2 reward points per ₹100, a quarterly lounge visit on spend and movie offers.
- 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 6 Nov 2026
Earns nothing on
- No points on cash, rent, fuel, e-wallet loads or EMI
Terms the calculator does not value
- ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25, so every points-based number on this card moves with it.
- The FD card page names the Coral card as the variant issued, so the Coral card's earn rules, caps, milestones and benefits are entered; ICICI publishes no separate benefits page for the secured version.
Sources
- ICICI Bank Coral Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-10-09) (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Upcoming changes to credit card features and charges (Bank notice, the bank's own, read 20 Oct 2026)
- Generic RuPay credit card product page (not Coral-specific) (Product page, the bank's own, read 20 Oct 2026)
- How to redeem ICICI credit card reward points (CardInsider; third party, gives ₹0.25 a point) (Third-party site, read 20 Oct 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Credit Cards Against Fixed Deposit (FD Card) page (Product page, the bank's own, read 6 Nov 2026)