This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same rewards, movie and lounge perks and ₹500 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
ICICI Bank Coral Credit Card
The bank's long-standing starter card — a movie discount, modest dining earn, a quarterly lounge visit for ₹500. The 2026 ICICI-wide devaluation reached even here, gating the movie benefit behind ₹25,000 and lounge access behind ₹75,000 of quarterly spend — thresholds that the lighter spenders a starter card targets will struggle to clear. ICICI's own free Amazon Pay card out-earns it for most people.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
0.5% on Other
2 ICICI Reward Points per ₹100 (~0.5% at ~₹0.25/point)
0.5% on Groceries
2 ICICI Reward Points per ₹100 on grocery and departmental stores — the retail rate, but rewarded grocery spend is capped at ₹20,000 per statement cycle (400 RP) since 15 Nov 2024.
Airport Lounge Access
1 domestic airport lounge visit per quarter, unlocked by spending ₹75,000 in the previous calendar quarter; plus 4 railway lounge visits a year (1 per quarter) with no spend condition
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹500/month
Movie Ticket Benefit
25% off up to ₹100 on BookMyShow and INOX, twice a month, gated behind ₹25,000 of spend in the preceding quarter (ICICI's 15 Jan 2026 revision)
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 25% off up to ₹100 on BookMyShow and INOX, twice a month, gated behind ₹25,000 of spend in the preceding quarter (ICICI's 15 Jan 2026 revision)
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,600
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,600)
For first-time ICICI customers who will clear ₹25k–₹75k of quarterly spend to unlock the movie and lounge benefits. Lighter spenders are better served by the free Amazon Pay ICICI card.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
| Groceries | reward points | 0.5%2 pts/₹100 × ₹0.25 | ₹100 |
| Utility Bills | reward points | 0.25%1 pts/₹100 × ₹0.25 | ₹100 |
| Insurance | reward points | 0.25%1 pts/₹100 × ₹0.25 | ₹100 |
Other: 2 ICICI Reward Points per ₹100 (~0.5% at ~₹0.25/point)
Groceries: 2 ICICI Reward Points per ₹100 on grocery and departmental stores — the retail rate, but rewarded grocery spend is capped at ₹20,000 per statement cycle (400 RP) since 15 Nov 2024.
Utility Bills: 1 ICICI Reward Point per ₹100 on utility spends (~0.25%) — half the retail rate; government payments are billed as utilities and earn at this rate. Rewarded utility spend is capped at ₹40,000 per statement cycle (400 RP) since 15 Nov 2024.
Insurance: 1 ICICI Reward Point per ₹100 on insurance premiums (~0.25%) — half the retail rate; rewarded insurance spend is capped at ₹40,000 per statement cycle (400 RP) since 15 Nov 2024.
Earns nothing on: Fuel · Rent · Cash Advances · Wallet Loads
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹500 |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,900/yr in total.
1 domestic airport lounge visit per quarter, unlocked by spending ₹75,000 in the previous calendar quarter; plus 4 railway lounge visits a year (1 per quarter) with no spend condition
1% fuel surcharge waiver on transactions of ₹400–₹4,000 at HPCL pumps, on up to ₹50,000 of fuel spend per statement cycle
25% off up to ₹100 on BookMyShow and INOX, twice a month, gated behind ₹25,000 of spend in the preceding quarter (ICICI's 15 Jan 2026 revision)
2,000 Reward Points at ₹2L of annual spend, then 1,000 RP per additional ₹1L, up to 10,000 RP in an anniversary year
Spend milestone
- ₹2,00,000 a year₹500 of value
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (0.5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Movie and lounge perks for spenders who clear the quarterly thresholds
- 4 railway lounge visits a year with no spend condition
- Simple, accessible entry/mid-tier card
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Movie and lounge perks now gated behind ₹25,000–₹75,000 quarterly spend
- Utility, insurance and grocery spend stops earning past ₹40k/₹40k/₹20k a statement cycle
- Thin ~0.5% base earn — the free Amazon Pay ICICI out-earns it for most people
Eligibility & documents
This is the figure for salaried applicants. Where ICICI Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your ICICI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
1 RP = ₹0.40 against the statement — ICICI's only published rate
Voucher store; ICICI publishes only an 'up to ₹1' ceiling, never a realised rate
iShop travel; rate is set per card at checkout, so the ₹1 ceiling is not a value
Air India is ICICI's only transfer partner, and the ratio splits 6x by card: Emeralde Private Metal and Times Black convert 1:1 (⇒ ₹1/pt), every other eligible card 6:1 (⇒ ₹0.17/pt — worse than the ₹0.40 voucher route, so on those cards transferring destroys value). Min 2,000 points; credited in up to 5 working days.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The headline movie and lounge benefits now require ₹25,000–₹75,000 of quarterly spend, so the lighter spenders this card targets may never trigger them; the base earn is just ~0.5%, and utility, insurance and grocery spend stops earning past ₹40k/₹40k/₹20k a statement cycle.
Frequently asked questions
What is the joining bonus?
Is there lounge access?
What is the ICICI Reward Point value?
How does the movie benefit work?
Is there a cap on reward points?
Should I get Coral or Amazon Pay?
How has the ICICI Bank Coral Credit Card changed over time?
Has the ICICI Bank Coral Credit Card been devalued recently?
When did the ICICI Bank Coral Credit Card's fees last change?
How did the ICICI Bank Coral Credit Card change in 2026?
The bottom line
Coral remains a serviceable first ICICI card — but the 2026 devaluation gated its movie and lounge perks behind ₹25k and ₹75k quarterly thresholds, which is exactly the spend a starter-card holder usually cannot guarantee. The 2 RP/₹100 base (~0.5%) is thin, the bill categories that once made it useful are now capped at ₹20k–₹40k a cycle, and the free Amazon Pay ICICI out-earns it for most people.
How this page was built
Counted from this card’s own record: 4 earn rules, 3 of them capped, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the ICICI Bank Coral Credit Card are taken from ICICI Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for ICICI Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
ICICI Bank Credit Card Ladder 2026: Platinum → Coral → Sapphiro → Emeralde
ICICI Bank's card ladder runs from the entry Platinum through Coral and Sapphiro up to the Emeralde and invite-only Emeralde Private. This guide maps the reward programme at each tier, explains the common reward point pitfalls, and tells you where the ICICI ecosystem delivers genuine value.
ICICI Bank Coral Credit Card
The bank's long-standing starter card — a movie discount, modest dining earn, a quarterly lounge visit for ₹500. The 2026 ICICI-wide devaluation reached even here, gating the movie benefit behind ₹25,000 and lounge access behind ₹75,000 of quarterly spend — thresholds that the lighter spenders a starter card targets will struggle to clear. ICICI's own free Amazon Pay card out-earns it for most people.
ICICI Bank Sapphiro Credit Card
Still a sensible mid-premium card — modest reward points but enough lounge access for a monthly flyer, golf, and a fee that waives at ₹6 lakh. But ICICI has wrapped nearly every benefit in a spend condition: lounges have needed ₹75k/quarter since January 2025, and the 2026 devaluation added a ₹25k gate on movies and stopped several categories earning. Great for the consistent spender; frustrating for the occasional one.
Amazon Pay ICICI Bank Credit Card
Still the most frictionless cashback card in the country and the top pick for beginners — lifetime-free, 5% on Amazon for Prime members, paid instantly as spendable Amazon Pay balance with nothing to manage. But the last two years dimmed the halo: an exclusion list that now reaches utility bills paid outside Amazon, plus a wave of new transaction fees, widened the gap between the "unlimited cashback" marketing and the fine print. Still excellent — just no longer untouchable.
MakeMyTrip ICICI Bank Credit Card
For travellers who book everything through MakeMyTrip, a quietly excellent deal — 6% myCash on MMT hotels, 3% on flights, cabs and buses, MMTBLACK Gold status and a class-leading 0.99% forex markup, all for ₹999. The card's long-running exemption from ICICI's lounge spend-gate lapsed on 30 June 2026. The catch is the co-brand one: your value lives inside MMT, and the platform's pricing can quietly erode it. Superb if you book MMT anyway; a trap if you price-shop.
ICICI Bank Expressions Credit Card
A customisable-design starter card: you pick the card face, and it earns 3 ICICI Reward Points per ₹100 on retail (~0.75% at ₹0.25/point) — a touch better than the 2-point Coral. It carries the usual ICICI starter kit for a ₹499 fee that waives at ₹1.5 lakh, but the lounge and movie perks now sit behind ₹75,000 and ₹25,000 quarterly spend gates, and ICICI's free Amazon Pay card still out-earns it for most people.
ICICI Bank HPCL Coral Credit Card
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SBI SimplySAVE Credit Card
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RuPay credit cards let you pay by UPI and earn rewards — but the earn rate on a UPI-QR scan is rarely the headline rate. Here's an honest map of the best RuPay/UPI cards in 2026, the UPI earn trap to avoid, and when the RuPay version of a card beats its Visa twin.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2013 · last change Apr 2026
2026
- ▼ BenefitObserved 17 Dec 2025 · Effective 1 Apr 2026
BookMyShow movie benefit becomes spend-gated
Ungated — 25% off up to ₹100 on BookMyShow and INOX, twice a month→Same discount, but requires ₹25,000 spend in the previous quarter
As part of ICICI's 2026 portfolio devaluation, from 1 Apr 2026 the Coral's BookMyShow and INOX offer — 25% off up to ₹100, twice a month; a discount, not a complimentary ticket — is unlocked only if the cardholder spent at least ₹25,000 in the preceding calendar quarter. It is the last of the card's marquee entry-level perks (movie + lounge) to move from unconditional to spend-gated.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ FeeObserved 19 Feb 2026 · Effective 1 Mar 2026
Minimum Amount Due rebuilt as a two-branch formula
5% of the outstanding amount, plus instalments, the over-limit amount, fee GST and any unpaid previous MAD→100% of GST, EMI principal and interest, fees, the over-limit amount and unpaid MAD, plus 5% of retail spends, cash advances and the finance charge — the finance charge taken in full whenever that 5% falls short of it
From the 1 March 2026 statement onwards ICICI stopped deriving the Minimum Amount Due from a single 5%-of-outstanding line and began building it component by component: GST, EMI principal and interest, fees and charges, the over-limit amount and any unpaid previous MAD are all taken at 100%, and 5% is applied to retail spends, cash advances and the finance charge. Where 5% of those three comes to less than the finance charge alone, the whole finance charge is added instead and only retail and cash are taken at 5%. ICICI illustrates both branches itself — a minimum of ₹11,210 on a ₹37,830 total due, and ₹21,620 on a ₹1,15,810 total due where finance charges dominate. Paying the statement in full is unaffected; the minimum rises only for people carrying a balance or taking cash.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ RewardObserved 17 Dec 2025 · Effective 1 Feb 2026
Transport-category earning capped
Transport spends earned uncapped→Transport rewards capped at ₹10,000 per statement cycle
From 1 February 2026 ICICI capped the reward points earned on transport-category spends — rail, bus, taxi, tolls and similar — at ₹10,000 of spend per statement cycle on its mid- and entry-tier cards, half the ₹20,000 the Gemstone tier keeps. Spend above the cap still posts to the card, it simply stops earning. On a card whose earn rate is already thin, this is a further trim rather than a headline cut.
Verification: ICICI Bank ↗ · Confidence: High
2024
- ▼ LoungeObserved 11 Oct 2024 · Effective 15 Nov 2024
Airport lounge access gated behind ₹75,000/quarter spend
₹35,000/quarter spend (₹5,000 earlier)→₹75,000/quarter spend
ICICI's system-wide November 2024 restructure more than doubled the spend needed to unlock the Coral's complimentary domestic airport lounge visit — from ₹35,000 in the previous quarter (itself raised from ₹5,000 in April 2024) to ₹75,000 — putting the perk out of reach for the light spenders the entry card targets. The 1 railway-lounge visit per quarter stayed unconditional.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ RewardObserved 11 Oct 2024 · Effective 15 Nov 2024
Per-cycle earning caps on utility, insurance and grocery spend
Utility, insurance and grocery spend earned without limit→Utility ₹40,000 · insurance ₹40,000 · grocery & departmental ₹20,000 per cycle (400 RP each)
ICICI's MITC caps the SPEND that accrues reward points, not the points: from 15 Nov 2024 the Coral earns on only ₹40,000 of utility spend, ₹40,000 of insurance and ₹20,000 of grocery and departmental-store spend per statement cycle. At the Coral's rates (1 RP/₹100 on utility and insurance, 2 RP/₹100 retail) that is 400 reward points in each of the three buckets, after which the category earns nothing for the rest of the cycle. The same round excluded rent, government and education spends from fee-waiver and milestone calculations and limited the fuel-surcharge waiver to ₹50,000 of fuel spend per cycle.
Verification: ICICI Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/icici-coral#value-timeline">ICICI Bank Coral Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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