ICICI BankVisaEntry-level

Coral credit card

Entry card with BookMyShow discounts and quarterly airport and railway lounge access.

Personal score46/100● Good fit

Recurring net savings₹1,693/yrafter fee, GST and caps · bills paid in full

First-year value₹1,103no welcome offer, ₹590 joining fee

Effective savings rate0.5%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)Waived ~~₹590~~waiver at ₹1,50,000 spend

Lounge access✈4 domyou can use 2 of your visits

Personalise Official page ↗

Source: ICICI Bank – Coral product page · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹1,213/yrBase rate 0.5% on other spends

Waived₹590 fee

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! Not a RuPay card – your UPI QR spends cannot go on it.

Where the money comes from

₹1,693/yr · 0.5%

Base rate 0.5% on other spendson ₹2,42,640₹1,213

1 RP/₹100 on utilities & insuranceon ₹48,000₹120

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹1,693/yr is calculated: Coral
+ Reward value on your spendat ₹0.25/ICICI Reward Points realistic value: ₹1,333
+ Fuel surcharge waiver1% up to ₹250/month: ₹360
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹1,50,000 spend: ₹0
= Recurring net savings: ₹1,693/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 0.5%

How the score of 46 is built

weights total 100% · methodology

Net savings rate11/100 × 55%5.8

Usable lounge access100/100 × 15%15.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity80/100 × 5%4.0

Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →

42airports in India

50lounges you can enter

1 per quarterdomestic · needs ₹35,000 spend per quarter

Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

BOM Mumbai 3 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 2 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 2 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk

HYD Hyderabad 2 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified

IXA Agartala 1 lounge

✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

AMD Ahmedabad 1 lounge

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified

ATQ Amritsar 1 lounge

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk

AYJ Ayodhya 1 lounge

✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk

IXB Bagdogra 1 lounge

✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

BHO Bhopal 1 lounge

✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

BBI Bhubaneswar 1 lounge

✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025DevaluationICICI Bank
ICICI Bank: lounge access only after ₹75,000 spend in the previous quarter
From 1 July 2025 most ICICI credit cards give complimentary domestic lounge access only if the cardholder spent ₹75,000 in the previous calendar quarter (for July–September, spend between 26 March and 25 June is counted). Emeralde, Emeralde Private, Emeralde Private Metal, Diamant, Emirates Emeralde and Times Black keep unconditional access.
Cards: Coral, Rubyx, Sapphiro · Source: Finology – New ICICI credit card lounge access rules effective July 2025 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.5%value on eligible spend

⚡ Accelerated0.25% 1 RP/₹100 on utilities &…

🚫 No rewards onfuelrent

🏷️ Fees₹590/yr incl. GSTwaived on ₹1,50,000 spend · joining ₹500

🎁 Welcome (year 1)none

🏁 Milestonesnone

✈️ Lounge✈1/qtr dom🌏0 intlneeds ₹35,000/quarter · 1 domestic per quarter on ₹35k prior-quarter spend

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹0.25/ICICI Reward Points ★★★☆☆1 RP = ₹0.25 on vouchers/catalogue.

🧩 Simplicity★★★★☆set and forget

🎯 Lifestylefuel waivermoviesBookMyShow 25% off up to ₹100, twice a month

🪪 EligibilityIncome ₹3L+/yr

At a glance

Lounge on an entry card
Movie discounts
Easy waiver

0.5% base
Points worth ₹0.25
Lounge needs spend

Compare Coral with

ICICI Bank Coral vs ICICI Bank Rubyx

Community Q&A on the Coral

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the ICICI Bank Coral?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹1,50,000 in the card year.

Does the Coral give airport lounge access?

4 domestic/yr. 1 domestic per quarter on ₹35k prior-quarter spend. Access needs ₹35,000 spend per quarter.

How much can I save with the Coral?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,693 a year, an effective savings rate of 0.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Coral's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

ICICI Bank – Coral product page

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Coral lounge access by airport · all ICICI Bank cards · change log.