Key Features & Benefits
- ✦2 Reward Points per ₹100 on all eligible retail spends
- ✦1 Reward Point per ₹100 on utilities & insurance
- ✦No Reward Points on fuel purchases
- ✦1 complimentary domestic lounge visit per quarter (spend-based)
- ✦1 complimentary railway lounge visit per quarter
- ✦25% off on 2 movie tickets per transaction twice a month (BookMyShow & INOX)
- ✦Dining privileges via ICICI Culinary Treats (up to 15% off)
- ✦1% fuel surcharge waiver on ₹400–₹4,000 transactions
- ✦Roadside assistance: repair, towing, car wash, general checkup
- ✦Annual fee waiver on ₹1.5L annual spend
- ✦Available across 4 networks — Visa, Mastercard, Amex, RuPay
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Welcome & Joining Benefits
- ✦Complimentary roadside repair, car wash & checkup for first year
Milestone Benefits
- ✦Spend ₹75,000+ in a calendar quarter → next quarter lounge access unlocked
- ✦₹1.5L annual spend → ₹500 annual fee waived
Pros & Cons
✓ Advantages
- ✓Very affordable — ₹500 annual fee waived at ₹1.5L spend
- ✓Movie discounts valid twice a month — up to ₹1,200+ savings/year
- ✓Railway lounge access — unique among entry-level cards
- ✓Dining discounts at 2,500+ restaurants nationwide
- ✓Available on 4 networks including RuPay for govt. offers
- ✓Roadside assistance complimentary for first year
✗ Disadvantages
- ✗Low reward rate — 2X is minimal
- ✗Lounge access requires ₹75K quarterly spend (as of Jan 2025)
- ✗Only 1 domestic lounge visit/quarter — very limited
- ✗3.5% forex markup — not for international
Frequently Asked Questions
What is the new lounge access rule for Coral from 2025?▼
From January 1, 2025, ICICI Bank requires cardholders to spend ₹75,000 in a calendar quarter to unlock domestic lounge access for the next quarter. This applies to Coral and other eligible cards.
Which Coral variant should I choose — Visa, MC, Amex, or RuPay?▼
RuPay gives extra benefits on govt. merchant transactions and UPI. Amex gives marginally better reward multipliers. For widest acceptance, go with Visa or Mastercard. If you want all govt./UPI benefits, choose RuPay.
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