ICICI Bank is well-known for offering a wide range of credit cards tailored to different lifestyle needs, and the ICICI Coral Credit Card is one such popular option. Designed to cater to individuals seeking rewards, savings, and lifestyle privileges, the ICICI Coral Credit Card provides a perfect balance of benefits across dining, entertainment, and travel.
Key Features and Benefits
1. Reward Points Program
One of the standout features of the ICICI Coral Credit Card is its reward points program. Cardholders earn:
- 2 reward points for every Rs. 100 spent on domestic purchases.
- 1 reward point for every Rs. 100 spent on utilities and insurance.
- Accelerated reward points on dining, groceries, and selected partner outlets.
These reward points can be redeemed for a variety of products, vouchers, and services via the ICICI Rewards Catalogue.
2. Dining and Entertainment Privileges
Enjoy exclusive discounts and offers on dining through the ICICI Bank Culinary Treats Program. Additionally, cardholders can benefit from:
- Get 25% discount on movie tickets while booking through BookMyShow and INOX.
- Monthly discounts on leading partner restaurants across India.
3. Airport and Railway Lounge Access
The ICICI Coral Credit Card offers complimentary lounge access at selected domestic airports and railway stations, making travel more comfortable and convenient.
4. Milestone Benefits
Earn extra reward points when you achieve spending milestones. For instance:
- Earn bonus reward points on annual spending of Rs. 1.5 lakh and above.
- Special vouchers and cashback offers upon crossing spending thresholds.
5. Fuel Surcharge Waiver
ICICI Coral Credit Cardholders can save on fuel expenses with a 1% fuel surcharge waiver at HPCL pumps for transactions up to Rs. 4,000.
6. Contactless Payments
Equipped with advanced contactless technology, the ICICI Coral Credit Card allows users to make fast and secure transactions by simply tapping their card at POS terminals.
Fees and Charges
Understanding the cost structure is essential before applying for the ICICI Coral Credit Card. The standard charges include:
- Joining Fee: Rs. 500 (plus applicable taxes)
- Annual Fee: If any one spends 1.5 lakh then you will get Rs. 500
- Interest Rate: 3.5% per month (42% annually)
- Cash Withdrawal Fee: 2.5% of the withdrawn amount or Rs. 300, whichever is higher.
Eligibility Criteria
To apply for the ICICI Coral Credit Card, applicants must meet the following criteria:
- Minimum age of 21 years.
- Stable source of income with a minimum monthly salary requirement.
- A good credit score (usually 700 or above) to improve the chances of approval.
How to Apply
Applying for the ICICI Coral Credit Card is simple and can be done through:
- ICICI Bank’s official website by filling out an online application form.
- Visiting a nearby ICICI Bank branch.
- Contacting ICICI customer care for assistance.
Conclusion
The ICICI Coral Credit Card is an excellent choice for individuals who want to enjoy a host of lifestyle benefits while earning rewards on their everyday expenses. With its reward points, dining offers, travel privileges, and fuel surcharge waivers, it offers great value for money. Whether you are a frequent traveler, a foodie, or a movie buff, this card provides a rewarding experience that complements your lifestyle.
Disclaimer: Credit card benefits and features are subject to change, and it is recommended to verify the latest details from ICICI Bank’s official website before applying.
