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ICICI BankGold

ICICI Coral Credit Card

•••• •••• •••• 4242

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Quick facts

ICICI Coral Credit Card

Top reward2 RP/₹100

Annual fee₹500

Min income₹30,000/mo

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🛋️Lounge & Premium

ICICI Bank · Gold tier

ICICI Coral Credit Card

Decent rewards with lounge perks.

Key Benefits

Lounge: Railway lounge access at select stations — Complimentary railway lounge — no spend gate stated in public T&CsAll spends: 2 RP/₹100Railway lounge: IncludedMovie: 25% off BookMyShow (cap ₹100/ticket)

Annual fee

₹500

Top rate

2 RP/₹100

Min income

₹30,000/mo

Eff. return

0.1%

Realistic net value (moderate user): ₹470/year

After ₹500 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Lounge: Railway lounge access at select stations — Complimentary railway lounge — no spend gate stated in public T&Cs
All spends: 2 RP/₹100
Railway lounge: Included
Movie: 25% off BookMyShow (cap ₹100/ticket)
2 RP per ₹100
Movie discounts
Best for: Railway lounge users
Best for: Mid-tier ICICI
Best for: ₹30K+ income

Source: ICICI Coral T&Cs

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Lounge access: Railway lounge access at select stations

Spend criteria: Complimentary railway lounge — no spend gate stated in public T&Cs

Reward Structure

Source: ICICI Coral T&Cs

All spends

2 RP/₹100

Railway lounge

Included

Movie

25% off BookMyShow

Cap: ₹100/ticket

Example: ₹100/mo spend → ≈ ₹25/mo (max at cap)

Excluded categories (no rewards)

EMIFuelRent

Lounge access

Railway lounge access at select stations

Spend criteria: Complimentary railway lounge — no spend gate stated in public T&Cs

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹1,600

Before fees & forex

Costs / year

₹1,130

Fee ₹500 + forex ₹630

Net value / year

₹470

0.1% effective return on spend

Category-wise breakdown

All other eligible spends

Spend ₹40,000/mo · 2 pts per ₹150 spend

₹1,600/year

₹133.33/mo

533 pts × ₹0.25 = ₹133.33/mo533 pts/mo @ ₹0.25/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Railway lounge users
→Mid-tier ICICI
→₹30K+ income

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

all — 2 pts per ₹150 spend

You spend

₹10,000

→

You earn

133 pts

Worth ≈

₹33.33

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 36 months if unused.

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹500

Annual / renewal fee

Charged every year unless waived

₹500

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹1,600

Annual fee− ₹500

Forex cost− ₹630

Net annual value₹470

Eligibility Snapshot

Public criteria from ICICI Coral T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹30,000/mo

Min income (self-employed)₹7,20,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with ICICI Coral Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹1,600/year. After the ₹500 annual fee, net value is approximately ₹470/year. Use the calculator above to model your own spends.

What is the minimum income for ICICI Coral Credit Card?+

₹30,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.