IN
ICICI Bank
ICICI Coral
VISA
🇮🇳 India · ICICI Bank

ICICI Coral

Entry-tier card — easy approval, decent base earning, low fee.

4.2 / 5
Joining fee
₹500
Annual fee
₹500
Top reward
1%
Min income
₹240,000

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5-year value calculator

How much ICICI Coral actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards6,000
Annual fee0 (waived ✓)
Cumulative net value
+30,000
over 5 years
Year 1
6,000
+6,000/yr
Year 2
12,000
+6,000/yr
Year 3
18,000
+6,000/yr
Year 4
24,000
+6,000/yr
Year 5
30,000
+6,000/yr
Year 1 (with bonus)
6,000
Year 2+ (steady state)
6,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else
1%
📈
🎁
Welcome bonus

2,000 PAYBACK points on first 60-day spend

What you get

  • 2 PAYBACK points per ₹100
  • 4 complimentary domestic lounge visits per year
  • 15% off at 2,500+ partner restaurants (Culinary Treats)
  • 1% fuel surcharge waiver
  • Free movie tickets via BookMyShow (buy-1-get-1)

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹240,000
Min credit score
700+
Self-employed
Eligible