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ICICI Bank Coral Credit Card Against Fixed Deposit
Visa
ICICI Bank Coral Credit Card Against Fixed Deposit
The secured version of ICICI's popular Coral card: a lien is placed on an ICICI fixed deposit of at least ₹30,000 and 85% of that amount becomes the credit limit, with no income documentation needed. It keeps most of the regular Coral's everyday perks — reward points on retail spend, dining discounts, and a handful of lounge visits — while remaining accessible to students, homemakers, or anyone without a salary slip.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining. It's a lifetime-free card with no fee to track.
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
4 complimentary domestic airport lounge visits per year
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Benefits
- Credit limit of 85% of the linked ICICI Bank fixed deposit (minimum ₹30,000, minimum 180-day tenure)
- 4 complimentary domestic airport lounge visits per year
Pros
- + No income proof needed — approval is effectively guaranteed once the FD is placed
- + Retains Coral-card perks like 4 domestic lounge visits/year and dining discounts up to 15% via Culinary Treats
- + FD continues earning its normal interest rate while pledged
- + Good stepping stone toward ICICI's unsecured card range
Cons
- − Requires locking up a minimum ₹30,000 FD for at least 6 months
- − Missing a payment for 60+ days lets the bank recover dues directly from the FD
- − Reward rate (1 point/₹100 on general spend) trails ICICI's unsecured mid-tier cards