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ICICI Bank

ICICI Coral

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Annual Fee

₹500

Reward Type

Points

Forex

3.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹1,50,000)
Min Monthly Income₹30,000

Rewards

Reward TypePoints
Base Rate0.5%
Point Value₹0.25/point

Category Multipliers

dining2%

Redemption Values

vouchers₹0.25/pt
statement credit₹0.2/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹1.5L to waive fee. Frequently offered LTF for salaried ICICI customers.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 0.5%, you need to spend ₹1,00,000 annually.

🎯 Pro Tips

  • ▸BOGO on BookMyShow up to ₹250
  • ▸2X on dining is decent for a ₹500 fee card

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹2,125

Effective Rate

0.2%

Ranked #137 of 173 cards#137

₹500 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Gift VouchersBEST₹0.25/pt

🏷️ Best For

dininglifestyleentertainment