ICICI Bank Coral Credit Card
ICICI · VISA★ 4.1/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
2% on Dining
2% cashback on dining
2% on OTT & Entertainment
2% on entertainment and OTT
Annual Fee Waiver
Fee of ₹500/yr fully waived when you spend ₹1,50,000/year
Movie Ticket Benefit
2 complimentary movie tickets per month
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
2/month
Free movie tickets
2%
OTT cashback rate
- 2 complimentary movie tickets per month
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
2.0%
dining cashback
1.0%
Base rate (all other spends)
- 2.0% cashback on dining
- 1.0% on all other spends — no restrictions
ICICI Coral is a reliable entry card for ICICI account holders. 2% cashback on dining and entertainment, 2 free movie tickets via BookMyShow per month (₹2,400/year), and 1 domestic lounge visit per quarter. The ₹500 joining fee includes a ₹500 BookMyShow voucher — making the first year cost-neutral.
Who is this for?
For first-time ICICI credit card users with a savings account who want dining rewards and occasional movie benefits. Good stepping stone before upgrading to Sapphiro or Rubyx.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | cashback | 2% | — |
| OTT & Entertainment | cashback | 2% | — |
| Other | cashback | 1% | — |
Dining: 2% cashback on dining
OTT & Entertainment: 2% on entertainment and OTT
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
2 complimentary movie tickets per month
1% fuel surcharge waiver
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (2% back).
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
Earn rates are thin and the joining fee is only conditionally waived — Amazon Pay ICICI is free forever and out-earns it for most people.
Bottomline
CardAdvisor Rating: 4.1 / 5Coral is the default first ICICI card and perfectly adequate: BookMyShow freebies, modest dining earn, a quarterly lounge visit. It asks little and gives a little. Upgrade ambitions should point at Sapphiro within a couple of years.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the ICICI Bank Coral Credit Card are taken from ICICI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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