All cards / ICICI Bank
ICICI Bank NRI Coral Credit Card
The entry point into ICICI's NRI credit card lineup, issued against a minimum NRE/NRO fixed deposit of ₹50,000 so NRIs without an India credit history can still get a card. Fees and rewards mirror the resident Coral card but eligibility and servicing run through ICICI's NRI banking desk.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Discount on movie tickets via BookMyShow/INOX
- Rewards rate: 1% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits a year on minimum prior-quarter spend
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
4 complimentary domestic lounge visits a year on minimum prior-quarter spend.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- 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: 40.8% p.a.
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 4 complimentary domestic lounge visits a year on minimum prior-quarter spend.
- Discount on movie tickets via BookMyShow/INOX.
Pros
- + Low minimum FD requirement
- + No India income proof required
- + Modest lounge access included
Cons
- − Credit limit tied to FD, not income
- − Base rewards rate is unremarkable