All cards / ICICI Bank
ICICI Coral
ICICI's entry-level card — low fees and an accessible income bar, with modest lounge and fuel perks, but reward earn rates are minimal and most benefits are gated behind quarterly spend thresholds.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Utilities0.25%
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–65
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 ₹1.5L spend
- + Accessible eligibility bar
Cons
- − Thin reward rate
- − Lounge/movie perks require hitting quarterly spend gates
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