आईसीआईसीआई कोरल क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Entry-level gemstone card offering 25% off on BookMyShow/INOX tickets, domestic airport & railway lounge access, and RuPay UPI payment support.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Coral is the entry-level gemstone collection card from ICICI Bank. Engineered for young salaried employees and movie enthusiasts, it offers 25% discount on BookMyShow and INOX movie tickets twice a month, domestic airport lounge access, and domestic railway lounge privileges.
Bonus ICICI Reward Points credited upon fee realization and card activation.
1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 or more in the preceding calendar quarter. 1 complimentary domestic railway lounge visit per calendar quarter.
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all HPCL and partner petrol pumps.
Earn 2,000 bonus Reward Points on spending ₹2,00,000 in an anniversary year; earn 1,000 bonus points for every additional ₹1,00,000 spent thereafter (up to 10,000 points yearly).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Domestic airport lounge access requires spending ₹35,000 in the previous calendar quarter. Reward point value is modest at ₹0.25 per point (effective 0.50% base return). Forex markup is standard 3.50%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit icicibank.com/cards or open iMobile Pay app. Step 2: Enter PAN and mobile number for soft eligibility evaluation. Step 3: Select ICICI Coral Credit Card (choose RuPay variant for UPI payment linkage). Step 4: Provide employer information, monthly salary, and residential address. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Coral Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Coral Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Coral Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 ICICI Reward Point = ₹0.25 (4 Reward Points = ₹1.00) against merchandise, vouchers, or statement credit via icicirewards.com. Please note: ICICI Reward Points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on ICICI Coral Credit Card and how does it work?
The interest-free period on ICICI Coral Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.