Coral ICICI Bank Credit Card 2024 – Offers, Features, Charges

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Are you looking for an Coral ICICI Bank Credit Card? We have covered a detailed review of the Coral ICICI Bank Credit Card (2024). You can checkout Eligibility Criteria, Features, Benefits, Fees & Apply Online.

ICICI Bank Coral Credit Card

Coral ICICI Bank Credit Card (2024)

Get your Coral ICICI Bank Credit Card. Easily apply for the Credit Card online.

Are you in search of a credit card that seamlessly combines convenience, rewards, and affordability?

Look no further than the Coral ICICI Bank Credit Card. With a plethora of features, enticing offers, and transparent fee structures, this card has caught the attention of savvy consumers.

In this comprehensive blog post, we’ll delve into the world of the Coral ICICI Bank Credit Card, exploring the exciting offers it brings to the table, dissecting its impressive array of features, and shedding light on the associated charges. Whether you’re a frequent traveler, a dining enthusiast, or someone who values cashback and rewards, this card has something for everyone.

By the end of this post, you’ll be equipped with the knowledge to make an informed decision and unlock the full potential of your financial journey. Join us as we unveil the secrets to maximizing the benefits of this remarkable credit card!


Benefits of Coral ICICI Bank Credit Card

The Coral ICICI Bank Credit Card offers a treasure trove of benefits for its cardholders:

  • Cashback Offers: Enjoy cashback on your everyday expenditures, including dining, groceries, and bill payments. This card is designed to put money back in your pocket, making your regular expenses more rewarding.
  • Reward Points: With every transaction, you accumulate reward points that can be redeemed for a wide range of options, from travel bookings to lifestyle products. It’s a fantastic way to make your spending work for you.
  • Dining Delights: Savor exclusive dining privileges at partner restaurants. Indulge in culinary experiences with discounts and complimentary dishes, making dining out an even more delightful affair.
  • Movie Benefits: Love catching the latest blockbusters? This card offers discounts on movie tickets, allowing you to enjoy your favorite films without burning a hole in your wallet.
  • Fuel Surcharge Waiver: Say goodbye to those extra fuel charges. The Coral ICICI Bank Credit Card provides a waiver on fuel surcharges at select fuel stations.
  • Airport Lounge Access: Travel in style with complimentary access to airport lounges. Enjoy a relaxed pre-flight experience with refreshments and comfortable seating.

These benefits, ranging from cashback rewards to exclusive discounts, cater to various aspects of your lifestyle, making the Coral ICICI Bank Credit Card a versatile and valuable addition to your financial toolkit.


Features of the Coral ICICI Bank Credit Card

The Coral ICICI Bank Credit Card is packed with a host of impressive features that enhance the overall experience for cardholders. Here’s an overview of its key features:

  • Contactless Payments: Experience the future of transactions with contactless payments. Simply tap your card at enabled terminals for quick and secure purchases, eliminating the need to swipe or insert your card.
  • Fuel Surcharge Waiver: Save more on fuel expenses as this card offers a waiver on fuel surcharges at select fuel stations. It’s a great way to cut down on your commuting costs.
  • Complimentary Airport Lounge Access: Traveling becomes more comfortable with access to airport lounges. Enjoy complimentary refreshments, Wi-Fi, and a tranquil environment while waiting for your flight.
  • Security Features: The card is equipped with advanced security measures, including an embedded EMV chip, which adds an extra layer of protection to your transactions. You can use it with peace of mind, knowing your financial information is secure.
  • Global Acceptance: Whether you’re traveling abroad or making international online purchases, the Coral ICICI Bank Credit Card is widely accepted, ensuring you have financial flexibility wherever you go.
  • Easy EMI Conversion: Convert large purchases into manageable EMIs with this card, making it easier to budget and pay for big-ticket items over time.
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These features cater to both the practical and lifestyle needs of cardholders, making it a well-rounded credit card option that goes beyond just spending convenience.


Eligibility Criteria

To be eligible for the Coral ICICI Bank Credit Card, individuals need to meet certain criteria:

  • Age Requirement: Typically, applicants should be in the age range of 21 to 65 years. Some variation may occur depending on the specific terms and conditions set by ICICI Bank.
  • Income Requirement: ICICI Bank often sets a minimum income criterion for applicants. The exact income threshold can vary and is subject to change, so it’s essential to check the specific requirements at the time of application.
  • Credit History: A good credit history is crucial for credit card approval. ICICI Bank will assess your credit report to determine your creditworthiness. A positive credit history with no significant defaults or delinquencies is generally preferred.
  • Employment Status: Applicants may need to provide proof of employment or income. Salaried and self-employed individuals are generally eligible, but the bank may have specific requirements in this regard.
  • Residential Status: You should be a resident of India or meet the specific residential criteria set by ICICI Bank for the Coral Credit Card.

It’s important to note that eligibility criteria can change over time, and financial institutions may have variations in their requirements. Therefore, it’s advisable to visit the ICICI Bank website or contact their customer service for the most up-to-date information on eligibility before applying for the Coral ICICI Bank Credit Card.


Step-by-Step Guide on How to Apply for the Coral ICICI Bank Credit Card

Applying for the Coral ICICI Bank Credit Card is a straightforward process. Here’s a step-by-step guide on how to do it:

Step 1: Check Eligibility Before applying, ensure you meet the eligibility criteria mentioned by ICICI Bank. This includes age, income, and credit history requirements.

Step 2: Choose the Application Method ICICI Bank offers multiple application methods:

  • Online Application: Visit the ICICI Bank website and navigate to the credit card section. Select the Coral ICICI Bank Credit Card and click on the “Apply Now” button. Fill out the online application form with your personal and financial details.
  • Offline Application: You can also apply for the card by visiting the nearest ICICI Bank branch. The bank’s staff will assist you in completing the application form.

Step 3: Gather Required Documents Prepare the necessary documents, which typically include:

  • Identity proof (e.g., Aadhar card, passport, voter ID)
  • Address proof (e.g., utility bill, passport)
  • Income proof (e.g., salary slips, income tax returns)
  • Passport-sized photographs
  • Duly filled application form

Step 4: Submission and Verification Submit your application along with the required documents. The bank will review your application and may conduct a credit check.

Step 5: Approval and Dispatch If your application is approved, ICICI Bank will dispatch the Coral ICICI Bank Credit Card to your registered address.

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Step 6: Activation Upon receiving the card, you’ll need to follow the activation instructions provided by the bank. This often involves contacting a specified phone number or using the bank’s online portal.


Fees and Charges

The Coral ICICI Bank Credit Card comes with a fee structure that cardholders should be aware of. Here’s a breakdown of the fees and charges associated with this card:

  • Annual Fee: The annual fee for the Coral ICICI Bank Credit Card may apply. However, some cards offer a waiver of the annual fee if you meet specific spending criteria. Be sure to check the current terms and conditions to see if you are eligible for such a waiver.
  • Interest Rates: The card carries an interest rate on the outstanding balance, which can be higher if you only pay the minimum amount due. It’s important to clear your monthly balances in full to avoid interest charges.
  • Late Payment Charges: If you miss the due date for your credit card payment, you’ll incur late payment charges. The exact fee can vary and will be mentioned in your monthly statement.
  • Cash Advance Fee: When you withdraw cash using your credit card, a cash advance fee is applicable. This fee is usually a percentage of the withdrawn amount.
  • Overlimit Fee: If you exceed your credit limit, an overlimit fee may be charged. It’s advisable to monitor your spending to avoid this fee.
  • Foreign Currency Transaction Fee: When you make transactions in foreign currencies, a foreign currency transaction fee is applied. This fee is a percentage of the transaction amount.
  • Statement Reprint Charges: If you request duplicate statements or physical copies of your statements, you might incur statement reprint charges.

Rewards and Offers

Coral ICICI Bank Credit Cardholders can unlock a world of rewards and offers that add substantial value to their card usage. Here are the key rewards and offers associated with this card:

  • Reward Points: Cardholders earn reward points on every eligible transaction made using the Coral ICICI Bank Credit Card. The number of points earned varies based on the type of transaction. These points can be accumulated and later redeemed for a wide range of options, including flight and hotel bookings, gift vouchers, and merchandise.
  • Dining Offers: Enjoy exclusive dining privileges at partner restaurants. Cardholders can relish discounts on dining bills and even receive complimentary dishes at select eateries, making dining out a delightful experience.
  • Entertainment Offers: Get access to special discounts and offers on entertainment events, including movies, concerts, and other cultural experiences.
  • Shopping Discounts: The card often comes with special discounts and offers at partner retail outlets. Whether you’re shopping for fashion, electronics, or other goods, you can save money through these deals.
  • Travel Benefits: Travel enthusiasts can make the most of this card with offers such as discounts on flight bookings, hotel stays, and more. It may also include travel insurance and airport lounge access, enhancing your overall travel experience.
  • Fuel Discounts: Benefit from fuel surcharge waivers at specific fuel stations, helping you save on your fuel expenses.

The Coral ICICI Bank Credit Card’s rewards and offers cater to a diverse range of interests, from dining and shopping to travel and entertainment. Whether you’re a foodie, shopaholic, or frequent traveler, this card is designed to enhance your lifestyle and provide you with valuable perks and savings. Be sure to stay updated on the latest offers and promotions from ICICI Bank to make the most of your Coral Credit Card.


Customer Support

ICICI Bank offers a robust customer support system for Coral ICICI Bank Credit Cardholders, ensuring that assistance is readily available when needed.

  • Customer Care Helpline: Cardholders can reach out to ICICI Bank’s dedicated customer care helpline for assistance with card-related queries, reporting lost or stolen cards, or seeking general information. The customer care number is usually printed on the back of the credit card and is also available on the bank’s website.
  • Email Support: You can contact ICICI Bank’s customer support team via email. Send your inquiries or concerns to the provided email address, and the bank’s representatives will respond to your queries promptly.
  • Online Chat: Many banks offer online chat support through their official website or mobile app. Cardholders can engage in real-time chat with customer service agents to get quick answers to their questions.
  • Branch Visits: If you prefer face-to-face interactions, you can visit your nearest ICICI Bank branch for in-person assistance. The bank’s staff will be available to help with your credit card-related issues.
  • FAQs and Self-Service: ICICI Bank usually maintains a comprehensive FAQ section on its website, where cardholders can find answers to common queries and access self-service options to manage their credit card accounts.
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ICICI Bank is committed to providing timely and efficient customer support to ensure a smooth experience for its Coral ICICI Bank Credit Cardholders. Whether you have questions about your card’s features, transactions, or need assistance with a specific issue, the bank’s customer support services are designed to assist you through various convenient channels.


Frequently Asked Questions (FAQs)

What are the key features of the Coral ICICI Bank Credit Card?

The Coral ICICI Bank Credit Card offers features like contactless payments, dining privileges, airport lounge access, and more.

Is there an annual fee for the Coral ICICI Bank Credit Card?

Yes, there may be an annual fee associated with the card. However, it can often be waived if you meet specific spending criteria.

How can I apply for the Coral ICICI Bank Credit Card?

You can apply for the card online through the ICICI Bank website or visit a local branch for an offline application.

What is the minimum age requirement for the Coral ICICI Bank Credit Card?

The minimum age for applicants is typically 21 years, but this can vary based on specific terms.

Can I use the card for international transactions?

Yes, the Coral ICICI Bank Credit Card is widely accepted for both domestic and international transactions.

How can I redeem the reward points earned with this card?

You can redeem reward points for various options, including flight bookings, gift vouchers, and merchandise, through the bank’s redemption portal.

Are there any cashback offers with this card?

Yes, the card offers cashback on categories like dining, groceries, and bill payments.

What is the foreign currency transaction fee for this credit card?

A foreign currency transaction fee, typically a percentage of the transaction amount, is charged for international purchases.

How can I contact ICICI Bank’s customer support for card-related queries?

You can reach ICICI Bank’s customer support through the helpline number, email, online chat, or by visiting a local branch.

Does the Coral ICICI Bank Credit Card provide travel insurance?

Some versions of the card offer travel insurance as part of their benefits package, so be sure to check the terms and conditions for details.

Is the Coral ICICI Bank Credit Card available for self-employed individuals?

Yes, the card is often available to both salaried and self-employed individuals who meet the specified income criteria.

Can I get a supplementary card for family members with this credit card?

Yes, you can usually apply for supplementary cards for family members, allowing them to enjoy the same benefits.

What is the interest rate for outstanding balances on this card?

The interest rate on outstanding balances varies and can be higher if you only pay the minimum amount due. To avoid interest charges, pay your monthly balances in full.

How can I check my credit card statement and transaction history?

You can access your credit card statement and transaction history through the ICICI Bank’s online banking portal or mobile app.

Is the Coral ICICI Bank Credit Card suitable for frequent travelers?

Yes, the card offers travel benefits, including airport lounge access and discounts on flights and hotels, making it a good choice for travelers.

Can I use the card for online purchases and bill payments?

Yes, the Coral ICICI Bank Credit Card is versatile and can be used for online transactions and bill payments.

How can I track my reward points and their expiration date?

You can monitor your reward points and their expiration date through the ICICI Bank’s online portal or by contacting customer support.


Final Thought on Coral ICICI Bank Credit Card

In conclusion, the Coral ICICI Bank Credit Card is a versatile financial tool that offers a multitude of benefits, features, and rewards to enhance your financial journey.

We explored the array of advantages, including cashback offers, reward points, and discounts on dining and entertainment. This card brings convenience, savings, and rewards to your everyday transactions. Its features, such as contactless payments, fuel surcharge waivers, and complimentary airport lounge access, cater to a diverse range of needs, making it a well-rounded choice for cardholders.

Additionally, we discussed the eligibility criteria and application process, ensuring that interested individuals have a clear path to apply for the card.

With the Coral ICICI Bank Credit Card in your wallet, you can experience a world of savings, convenience, and rewards. If you’re looking for a credit card that suits your lifestyle and financial goals, this card is certainly worth considering. Make the most of your spending and take advantage of the incredible offers and benefits this card has to offer. Apply today to embark on a rewarding financial journey!

Coral ICICI Bank Credit Card

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Disclaimer: The content on this website serves purely informational purposes and is not intended to disparage any company or service. The provided information is shared based on knowledge and experience. Therefore, it is advisable to conduct your own research before placing complete trust in the information presented.

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