ICICI Bank Coral Credit Card
ICICI Bank · Points/miles card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST — waived at ₹1,50,000/yr spend |
| Welcome benefit | None |
| Airport lounges | 4 domestic · 0 international / year |
| No rewards on | fuel |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| Everyday PAYBACK points | 0.5% | Uncapped | all eligible spend |
| Utility and insurance PAYBACK points | 0.25% | Uncapped | utility, insurance |
Milestones
Anniversary milestone rewards: ₹500 at ₹2,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
2 RP per ₹100 on retail, 1 RP per ₹100 on utilities/insurance (RP = ₹0.25); PAYBACK milestone rewards capped at 10,000 points/year.
1 domestic lounge visit/quarter requires ₹75,000 spend in the previous quarter; 4 railway lounge visits/year.
From 1 Apr 2026, BookMyShow ticket offer requires ₹25,000 spend in the preceding quarter.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the ICICI Bank Coral Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST), waived on spending ₹1,50,000 a year.
What is the highest reward rate on the ICICI Bank Coral Credit Card?
0.5% — Everyday PAYBACK points. Effective value depends on monthly caps; see the caveats on this page.
Does the ICICI Bank Coral Credit Card give airport lounge access?
Yes — 4 domestic visits/year.