ICICI Coral Credit Card 2025
Perfect beginner card! Save over ₹15,000+ every year with lounge access + cashback!
Best entry-level premium card for beginners! ICICI Coral gives 2 free lounge visits every quarter, 2% cashback on all spends, ₹500 Amazon voucher, and dining discounts.
Low ₹500 fee makes it perfect starter card with solid rewards!
Why Choose ICICI Coral in 2025?
2 lounge visits/quarter • 2% unlimited cashback • ₹500 welcome voucher • 15% dining discount • Low ₹500 fee
Best for: Beginners, moderate spenders (₹20K-50K/month), occasional travelers
Card At a Glance
₹500 + GST
₹500 + GST
2% Cashback on all spends
₹500 Amazon Voucher
2 visits/quarter
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Welcome Benefit | ₹500 Amazon voucher |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.4% per month |
| Fuel Surcharge Waiver | 1% (₹400–₹5,000 txn, max ₹400/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 2% cashback as iShop/Amazon vouchers on ALL spends
- 25% discount (upto ₹100) on 1500+ restaurants via Culinary Treats
- 1% fuel surcharge waiver
- Cashback credited as vouchers (min ₹250)
- No expiry on reward vouchers
- No exclusions (works on all spends!)
Airport Lounge Access
2 complimentary domestic lounge visits per quarter
Primary + add-on cardholder eligible
Min spend ₹5,000/previous quarter required
Insurance & Protection Benefits
- ₹50 Lakh air accident cover
- ₹15 Lakh personal accident cover
- ₹1 Lakh lost baggage cover
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Super low ₹500 fee | Only 2 lounge visits/quarter |
| 2% cashback on ALL spends | 3.5% forex markup |
| ₹500 welcome Amazon voucher | Spend requirement for lounge |
| 25% dining discount | No milestone benefits |
| Fuel surcharge waiver | Low insurance cover |
| Easy eligibility |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹4.5 Lakh (salaried) | ₹6 Lakh (self-employed)
- Credit Score: 720+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit ICICI Bank website and select Coral Card
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best starter premium card! ₹500 fee + 2% cashback + 8 lounge visits/year = ₹12,000+ value. Perfect if you spend ₹25K+/month. Skip only if you want unlimited lounges.
Frequently Asked Questions (FAQs)
How many lounge visits?
2 free domestic visits per quarter (8/year) with ₹5K spend requirement.
Is cashback unlimited?
Yes! 2% on ALL spends with no cap.
What welcome benefit?
₹500 Amazon Pay voucher on first transaction.
Do rewards expire?
No expiry on iShop/Amazon vouchers.
Any exclusions?
No! Works on all spends including online/offline.