ICICI Bank Coral
ICICI Bank · Checked 2026-10-09
ICICI Bank Coral is a paid card focused on shopping rewards, reward points and airport lounge access, charging ₹500 annually before GST.
CardIQ editorial view
Our take
ICICI Bank Coral is a paid card focused on shopping rewards, reward points and airport lounge access, charging ₹500 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 points per ₹100 on eligible retail purchases.
- Domestic lounge access requires ₹75,000 spend in the preceding quarter.
Trade-offs to understand
- Domestic lounge access requires ₹75,000 spend in the preceding quarter.
- 1 point per ₹100 on eligible utility and insurance spends; other exclusions apply.
- Movie discounts require qualifying prior-period spend and have booking limits.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2 points per ₹100 on eligible retail purchases valuable enough to clear the fee. Factor in this condition: Domestic lounge access requires ₹75,000 spend in the preceding quarter.
Compare before deciding
- Samsung Axis Bank Signature — A similarly priced alternative for comparing shopping rewards and reward points.
- Tata Neu Plus HDFC Bank Credit Card — A lower-fee way to compare similar strengths in shopping rewards and reward points.
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Benefits, limits and conditions
- Domestic lounge access requires ₹75,000 spend in the preceding quarter.
- 1 point per ₹100 on eligible utility and insurance spends; other exclusions apply.
- Movie discounts require qualifying prior-period spend and have booking limits.