Question 1

Is ICICI Coral Credit Card worth the ₹500 annual fee?

Accepted Answer

ICICI Coral Credit Card has an annual fee of ₹500. The fee can be waived if you spend ₹50k/year. With a base reward rate of 0.5% (up to 2%), 4 domestic lounge visits, and a CardTrail Score of 7.6/10, it offers good value for the price.

Question 2

What is the reward rate on ICICI Coral Credit Card?

Accepted Answer

ICICI Coral Credit Card offers a base reward rate of 0.5% on regular spends, going up to 2% on select categories. Rewards are earned as Payback Points. New cardholders also get a welcome bonus of 500 Payback Points.

Question 3

Does ICICI Coral Credit Card have airport lounge access?

Accepted Answer

Yes, ICICI Coral Credit Card provides 4 domestic and 0 international lounge visits per year. Note: You must spend ₹75,000 per quarter to activate lounge access.

Question 4

What is the forex markup on ICICI Coral Credit Card?

Accepted Answer

ICICI Coral Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

ICICI Coral Credit Card vs HDFC Millennia — which is better?

Accepted Answer

ICICI Coral Credit Card (CardTrail Score: 7.6/10) and HDFC Millennia (Score: 8.7/10) are both entry level cards. ICICI Coral Credit Card by ICICI has a ₹500 fee with 0.5% base rewards, while HDFC Millennia by HDFC has a ₹1,000 fee with 1% base rewards. Use our comparison tool for a detailed side-by-side analysis.

ICICI Coral Credit Card

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