Coral

Joining ₹500 · Annual ₹500 · Waived on ₹1.5 lakh of spends in the card year

Fee break-even: ≈₹1,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward Points · assumed 0.25 ₹/point. ₹0.25 per point on ICICI's catalogue redemptions

Verified 13 Aug 2026

Forex markup3.5%

Fuel surcharge1% waived on eligible fuel transactions

EMI2.99% capped at ₹299 plus GST at a merchant, up to 2% converting a billed balance processing fee · A converted purchase stops earning rewards · Fuel, gold, jewellery, gambling and cash cannot be converted. · Availing the EMI facility forfeits reward points under ICICI's reward program

Domestic lounge1 domestic visit a quarter, unlocked by ₹75,000 of spends in the previous quarter

Return by category

Category	Return	Notes
Online spend	0.5%	Base rate
Amazon	0.5%	Base rate
Flipkart	0.5%	Base rate
Subscriptions & OTT	0.5%	Base rate
Offline spend	0.5%	Base rate
UPI spending	0%	This is the Visa and Mastercard Coral. The RuPay variant, listed separately here, is the one that pays on UPI
Dining	0.5%	Base rate
Swiggy	0.5%	Base rate
Zomato	0.5%	Base rate
Groceries	0.5%	Grocery and departmental points cap per ICICI's cycle limits
Quick commerce	0.5%	Uses its groceries rate
Swiggy Instamart	0.5%	Base rate
Blinkit	0.5%	Base rate
BigBasket	0.5%	Uses its groceries rate
Movies & shows	0.5%	Base rate
BookMyShow	0.5%	Base rate
PVR INOX	0.5%	Base rate
Fuel	0%	Fuel earns nothing, a surcharge waiver stands in
Travel (general)	0.5%	Base rate
Flights	0.5%	Base rate
Hotels	0.5%	Base rate
MakeMyTrip	0.5%	Base rate
IRCTC rail	0.5%	Base rate
International	−3%	0.5% reward − 3.5% forex markup
Utilities & bills	0.25%	1 point per ₹100
Rent	0%	Rent earns nothing and carries a 1% fee
Education fees	0.5%	Base rate
Insurance premiums	0.25%	1 point per ₹100
Government & tax	0%	Government payments earn nothing
Wallet loads	0%	Wallet loads earn nothing
Anything else	0.5%	Base rate
Jewellery	0.5%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Buy one get one movie offers through ICICI's entertainment partners, per the current offer page

Other exclusions

Availing the EMI facility forfeits reward points under ICICI's reward program

ICICI Bank CoralBest for An ICICI starter with lounge visits3.0 / 5

What we liked

Quarterly lounge access on realistic spends
₹500 waived at ₹1.5 lakh
Movie ticket discounts through ICICI's partners

What to mind

0.5% base earning
The RuPay Coral does everything this does and adds UPI

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?