All cards / ICICI Bank
ICICI Coral
ICICI's entry-level RuPay card — low fees, an accessible income bar, and a taste of lounge, fuel, and movie perks that are usually reserved for pricier cards, provided quarterly spend thresholds are met. It works well as a first credit card or a UPI-linked RuPay card, though the 0.5% base reward rate makes it a weak everyday-spend earner.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 25% off (up to ₹100) on BookMyShow/INOX tickets, twice a month, on ₹25,000 quarterly spend
- Rewards rate: 0.5% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter (on ₹75,000+ prior-quarter spend), plus 4 complimentary railway lounge visits/year
- International lounge access: No complimentary international lounge access at this tier
- Insurance benefits: ₹2 lakh personal accident cover on the RuPay variant
Benefits by category
- ✈️ Travel
1 complimentary domestic airport lounge visit per quarter (on ₹75,000+ prior-quarter spend) + 4 complimentary railway lounge visits/year
- 🛡️ Insurance
₹2 lakh personal accident cover (RuPay variant)
- 🧾 Utilities
0.25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions at HPCL pumps
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 3.5%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400–₹4,000 transactions at HPCL pumps
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 1 complimentary domestic airport lounge visit per quarter (on ₹75,000+ prior-quarter spend) + 4 complimentary railway lounge visits/year
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions at HPCL pumps
- 25% off (up to ₹100) on BookMyShow/INOX tickets, twice a month, on ₹25,000 quarterly spend
- ₹2 lakh personal accident cover (RuPay variant)
- 2,000 bonus points at ₹2 lakh annual spend, plus 1,000 points per additional ₹1 lakh, capped at 10,000 points/year
Pros
- + Low joining/annual fee (₹500 each)
- + Easy annual fee waiver on just ₹1.5L annual spend
- + Accessible eligibility bar suited to first-time cardholders
- + Domestic and railway lounge access, unusual at this price point
- + RuPay network works for UPI credit-card linking
Cons
- − Thin 0.5% base reward rate on general spend
- − Lounge and movie perks require hitting quarterly spend gates (₹75,000+ / ₹25,000)
- − RuPay-only network limits acceptance versus Visa/Mastercard variants