Coral Credit Card

By ICICI · Visa / Mastercard / RuPay (variants)

₹500

+ GST

Annual Fee

₹500

+ GST

Joining Fee

up to 6%

Best Rate

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The Verdict

Budget ICICI card at ₹500 with surprising perks — lounge access, movie discounts, milestones, and railway lounges. However, the ₹75K/quarter spend gate for domestic airport lounge (increased from ₹5K ...

Best Suited For

Budget card seekers — ₹500 fee (waived at ₹1.5L) with lounge + movie perks
Movie goers — BookMyShow + INOX discounts twice/month (if spend gate met)
Train travelers — 4 railway lounge visits/year with no spend requirement
RuPay users wanting PA insurance (₹2L) + concierge at ₹500/year
Step-up from Platinum Chip — adds lounge, movies, milestones for just ₹500

Airport Lounge Access

International
None

Reward Rates

IShop Hotels (12X)	6%
IShop Flights/Vouchers (6X)	3%
Grocery/Dept Stores Cap: ₹20,000/month	0.5%
Base Spends	0.5%
Utility & Insurance Cap: ₹40,000/month	0.3%