ICICI Coral Debit Card: Premium Perks on a Debit Card

Key takeaways
 

• You get benefits like lounge access, movie discount, and dining with ICICI Coral Debit Card.
   
• Whenever you spend on grocery or international transactions, you earn reward points.
   
• If you are a frequent traveler, movie lover, and regular debit card user this card is for you. 
   

Have you ever wondered how nice it would be to have the features of a standard debit card and a high-end credit card in just one card? Yes, this is possible with the ICICI Coral Debit Card. This card is a premium one. You can spend upto ₹50,000 and withdraw up to ₹1,00,000 per day with this card. This card has Paywave which is a contactless feature and also has a customizable design which is Expressions Coral.

The ICICI Coral Debit Card is not for everyone. This card is only for those users who are frequent travelers, spend on grocery, movie and dining. ICICI Coral Debit Card lounge access is another benefit you can get.  

When you start using ICICI Coral Debit Card it gives you some entry-level perks. 

When you go for any other basic card it will not offer any rewards. But The ICICI Coral Debit Card gives you 8 domestic lounge visits per year and a consistent movie discount. 

How ICICI Coral Debit Card Works

The function of this card is exactly like a standard debit card. It is directly attached to your savings account ICICI Bank. If you want to unlock premium features like ICICI Coral Debit Card lounge access, the card tracks your spending in the previous quarter. 

This card gives you discounts on groceries, dining, online shopping, travel bookings. You can't use this card for government payments, fuel, or insurance premium. 

Read More -SBI Premium Debit Card

Features of ICICI Coral Debit Card

When you spend money on anything, ICICI Coral Debit Card gives you small refunds in the form of reward points. Whenever you spend ₹200 domestically, it gives you rewards. And if you spend this much amount internationally you get 4 reward points. You can redeem this point on Amazon gift voucher or Flipkart m 

This card has a “Tap & Pay” feature. You can do transactions up to ₹5,000 without a PIN. It's up to you, whether you want to enable this feature or not. It sets specific daily limits via iMobile pay app or internet banking.

This card also provides you insurance coverage. 10 lakh insurance coverage for a personal accident, 20 lakh insurance for air accident insurance. 

ICICI Coral Debit Card benefits

The ICICI Coral Debit Card is more than a simple card. No matter whether you are dining with a friend, catching the latest movie, or grabbing a coffee. When you shop domestically, you earn points for every 200 spent. And if you are travelling internationally, it gives you double reward points. 

ICICI Bank Coral pay wave debit card benefits include a 25% discount on movie tickets at BookMyShow. Through its culinary treats programme, you get access to exclusive discounts and savings at over 25,000 Indian restaurants. 

ICICI Coral Debit Card Charges & Fees

ICICI Coral Debit Card charges some fees annually. 
 

ICICI Coral Debit Card track your previous year spending and according to that gives you benifits. 

Also Read -  HDFC Platinum Debit Card

Withdrawal & Spending Limits

When you spend via the ICICI Coral Debit Card, it is important to note that there are certain limits. There is an online transaction limit of up to ₹5,00,000. You can reduce these limits via the iMobile pay app or internet banking. If you have a new bank account, then there is a temporary restriction for a fraud prevention measure. 

ICICI Coral Debit Card Eligibility Criteria

Account type- You can get ICICI Bank Coral Debit Card online if you have an account linked with ICICI Bank. Savings Accounts, Salary Accounts, Current Accounts, and NRE/NRO Accounts are eligible for this. 

Age- You must be at least 18 years old to get this ICICI Bank Coral debit card. ICICI has a young Stars account for minors. They are not eligible for the Coral variant. 

Kyc requirement- your account must be fully KYC compliant. To complete KYC unit, PAN card and Aadhar card, passport aur voter ID for a proof of address. You can also complete KYC virtually. From the comfort of your home with the video call.  

How to Apply for ICICI Coral Debit Card

Getting the ICICI Coral Debit Card in 2026 is very easy. You can apply for the card with the both online and offline modes. 

Online mode is the fastest way.  You just need to open the iMobile Pay app, log in using your credentials or biometric authentication, go to the “Cards & Forex” section, and select the option to upgrade your debit card. After that just choose the Coral variant. Then review your linked account and delivery address and just click submit. 

If you are someone who prepares in person service. You can go for offline mode. Visit your nearest ICICI Bank branch. Ask for a debit card application. Fill in and select the Coral debit card. Just ensure your KYC is updated. Denting your identity cards. And submit it. 

Your new card will arrive at your registered address within 7 to 10 working days. 

Conclusion 

If you want premium banking without complexities, then ICICI Coral Debit Card is for you. It successfully turns everyday expenses like grocery shopping and movies. 

FAQs

What is the withdrawal limit?

Daily ATM Withdrawal is Up to ₹1,00,000 and Daily POS/Online Limit is Up to ₹5,00,000. 

Do reward points expire?

Yes. Reward points are not permanent. They expire 36 months from the date they were issued. 

Is lounge access free?

Yes. ICICI Coral Debit Card Lounge access is free but  spend based. 

How to redeem reward points?

You can redeem your points via iMobile Pay app or internet banking. Login > Cards & Forex > Select your Card > Redeem Rewards.