Gain access to airport lounges and rewards for regular purchases, transforming your purchases into life-changing events and generating significant savings on travel, entertainment and petrol.

Select from two options that are suited to distinct lifestyles and provide full advantages such as insurance coverage, milestone rewards, and special discounts.

For prudent consumers who pay their bills on time, this card is an affordable companion with an easily waived annual fee.

The ICICI Bank Coral Credit Card offers premium lounge access, providing a serene escape for travellers.

Example:

Shikhar, a regular business traveller, loves having free access to airport lounges all over the world. It’s a perfect spot for him to relax and get some work done before his flights.

But the Coral Credit Card offers even more than just lounge access. For someone like Shikhar, it turns everyday spending into a rewarding journey. With perks like discounts on entertainment, fuel savings, and proper insurance, it makes both his business trips and personal life even better.

Table:

The main advantages Shikhar can enjoy with his ICICI Bank Coral Credit Card are outlined in the following table:

Benefit Category	Description
BookMyShow Offers	Enjoy discounts and exclusive offers on movie tickets and entertainment bookings.
Fuel Waivers	Get surcharge waivers at fuel stations across the country, making every drive more economical.
Milestone Rewards	Earn bonus reward points on achieving specified spending milestones, accelerating reward accumulation.
Personal Accident Insurance	Provides complementary insurance cover, offering financial security against accidental events.

The wide range of practical advantages that go hand in hand with the card's premium appeal is depicted in this table.

These features come together to create a well-rounded package that meets both your everyday needs and your lifestyle dreams, offering great value all around!

This blog is here to help you discover the benefits of the Coral Credit Card. Next, we’ll take a closer look at the different types of ICICI Bank Coral Credit Cards and what makes each one special.

Bonus Tip: If you don’t meet the spend requirement (for the standard card), you will not qualify for the free access and would have to pay the lounge's entry fee.

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Type of ICICI Bank Coral Credit Card Variants and Features

There are two types of ICICI Bank Coral Credit Card options, each designed to cater to different spending habits and lifestyle needs.

These cards offer several perks designed to enhance the purchase experience, including reward points, lounge access, and entertainment discounts.

Table:

Here's a straightforward comparison between the standard Coral Credit Card and the Coral Master/Visa Card. This table highlights their key features to help you choose the one that suits you best!

Feature	Coral Credit Card	Coral Master/Visa Card
Annual Reward Points	Earn up to 10,000 reward points every anniversary year.	-
Airport Lounge Access	1 visit per quarter, subject to spending ₹75,000 in the previous quarter.	1 complimentary domestic airport lounge access per quarter.
Railway Lounge Access	1 complimentary domestic visit per quarter.	4 complimentary railway lounge accesses per year.
Movie Discounts	25% off (up to ₹100) twice a month on BookMyShow & INOX.	25% off (up to ₹100) twice a month on BookMyShow & INOX.
Fuel Surcharge Waiver	-	1% waiver on fuel spends between ₹400-₹4,000 at HPCL pumps.
Milestone Benefits	-	2,000 pts on ₹2,00,000 spend + 1,000 pts for every additional ₹1,00,000 spend.
Insurance Cover	-	₹2,00,000 Personal Accident Cover (on Rupay variant).
Concierge Service	-	24/7 assistance (on Rupay variant).

The comparison reveals that the Coral Mastercard/Visa Card provides superior entertainment and lounge benefits, along with additional fuel, insurance, and concierge services.

Detailed Features with Examples:

These details pointers show features with examples:

1. Coral Credit Card: Maximising Fun and Rewards

This card is perfect for anyone who loves entertainment and wants to rack up rewards. It's an excellent fit for young professionals like Aman, who enjoys catching the latest movies and dining out regularly.

Earn Rewards: Aman can earn up to 10,000 reward points a year for products and vouchers.

Lounge Access: After spending a certain amount, he gets a complimentary railway lounge visit every quarter.

Movie Discounts: He saves 25% (up to ₹100) on movie tickets twice a month with BookMyShow.

This card helps Aman enjoy a premium lifestyle while keeping his leisure activities budget-friendly.

2. Coral Master/Visa Card: Comprehensive All-Rounder Benefits

This all-in-one financial tool is perfect for regular spenders seeking value across categories. It's ideal for Akash, who drives daily, travels occasionally, and has diverse spending needs.

Lounge Access: Akash enjoys free access to airport lounges every few months, plus he gets yearly passes for railway lounges. This makes his travels way more comfortable and enjoyable.

Rewards for Spending: As Akash spends money, he reaps great rewards. For example, if he spends ₹2,00,000, he earns 2,000 bonus points. For every additional ₹1,00,000, he collects another 1,000 points.

Savings on Fuel: Every time Akash fuels up at HPCL, he saves 1% on the surcharge, lowering his monthly fuel costs. Plus, he has ₹2,00,000 in personal accident insurance, giving him some extra peace of mind.

Overall, this card is a fantastic deal for Akash. It rewards his spending, cuts down on everyday expenses, and keeps him feeling secure.

Now that we've covered the types and features of the ICICI Coral Credit Card, it's time to look at its fees and charges. This will help us figure out how worthwhile the card really is.

Bonus Tip: The annual fee waiver is based on total annual spending (often ₹1,50,000 or more), not on lounge usage. Lounge access is a separate benefit.

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Understanding the Fees & Charges of Your ICICI Coral Credit Card

The ICICI Coral Credit Card fees are intended to be transparent and cost-effective. By being aware of these fees, you can minimise spending and maximise the card's advantages, guaranteeing a creative financial collaboration.

Table:

Here's a simple breakdown of the key fees for both card types. It gives you a clear view of the costs and shows how your spending habits can help you manage them better.

Fee Category	Coral Credit Card & Coral Master/Visa Card Details
Joining Fee	₹500 + GST
	₹500 + GST from 2nd year onwards. Waived if spends exceed ₹1,50,000 in the previous anniversary year.
Late Payment Fee	Ranges from ₹100 to ₹1,300, depending on the total amount due.
Interest Rate	3.75% per month (approx. 45% annually) is charged on outstanding balances, cash advances, and if only the minimum amount due is paid.
Foreign Currency Markup	3.5% is charged on all transactions made in a foreign currency.

The table shows that the annual fee is easily waivable, making the card cost-effective for regular spenders, while emphasising timely bill payments to avoid high penalties.

Key Charges Explained with Examples:

This shows the key charges with example:

1. The Waivable Annual Fee:

This feature rewards consistent card usage with a fee waiver, making the card free for active users. For example, Nitin, a salaried employee, spends over ₹1,50,000 annually on groceries, gadgets, and flights, easily qualifying for the following year's annual fee waiver.

This example rewards loyal customers like Nitin by letting them enjoy the card's perks at no extra cost.

2. The Cost of Carrying a Balance:

Interest and late fees are significant charges caused by delayed payments. For example, Mukesh had an unexpected expense and could only pay the minimum due.

The remaining balance accrued interest at 3.75% per month, increasing his total repayment significantly. A late payment would add even more fees.

This shows how crucial it is to pay off your full monthly bill each time. If you don't, you might end up caught in a tricky debt cycle, just like Mukesh did. Let's wrap up with the conclusion of this blog.

Conclusion

In the end, the ICICI Bank Coral Credit Card is a wise lifestyle companion rather than merely a piece of plastic. It effortlessly transforms your everyday expenses into enjoyable experiences, whether you're a movie buff like Aman, a frequent traveller like Shikhar, or a daily spender like Akash.

This card actively improves your everyday life by providing real value, security, and a hint of luxury at every turn. It does more than make payments if you know how to use it and manage the fees. It's an easy method to get more out of your money.

FAQS

Can I take a guest into the lounge with me?
The complimentary visit is usually only for the primary cardholder. Guest access may require an additional payment as per the lounge's policy.

Which airports and lounges can I access?
You can access a vast network of domestic lounges partnered with Visa, Mastercard, or RuPay (depending on your card variant) across major Indian airports.

What do I need to present at the lounge for entry?

You must present your physical ICICI Coral Credit Card and a valid boarding pass for a flight departing that day or the next morning.

Do unused lounge visits carry over to the next quarter?
No, unused complimentary visits expire at the end of each calendar quarter and do not roll over.

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