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ICICI Bank
ICICI Coral
Entry levelPointsWorks on UPIVisaMastercardRuPayPending re-check
Joining fee
₹500
Annual fee
₹500
Waived on ₹1,50,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Easy first card for ICICI customers
- ✓RuPay variant for UPI
- ✓Movie ticket discount (spend-based)
Watch out for
- !Low ~0.5% reward rate
- !Lounge needs ₹75K quarterly spend
- !Movie offer needs ₹25K quarterly spend (2026)
Rewards
| Half points on utilities & insurance | 0.25% | no cap |
| Everything else (base rate) | 0.5% | no cap |
No rewards on: Fuel, Rent
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- 4 / year
- International lounge
- None
- Spend condition
- ₹75,000 per quarter
Eligibility
- Salaried
- ₹25,000/month
- Self-employed
- ₹4,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Friendly
Income figures are indicative; banks decide case by case.
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