Coral Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: ICICI Bank
Network: Visa | Tier: Entry
The Coral Credit Card is an Entry Visa credit card issued by ICICI Bank, best suited for beginners. It carries a joining fee of ₹500, with an interest rate of 3.4% per month. Key benefits include Basic lifestyle card, 2 RP per 100, and 1 complimentary domestic airport lounge visit per quarter (subject to spending ₹35,000 or more in preceding calendar quarter). New cardholders get a welcome benefit of Welcome points. On fees — Lounge access: 1 complimentary domestic airport lounge visit per quarter (subject to spending ₹35,000 or more in preceding calendar quarter); Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,50,000/year to qualify. It falls under the Entry-level, Travel, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the Coral Credit Card?
The Coral Credit Card is a Entry-tier Visa credit card issued by ICICI Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of 2 RP per 100 and an annual fee of ₹500, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with Welcome points, which adds immediate value in the first year.
Coral Credit Card Fees & Charges
| Annual Fee | ₹500 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.4% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Coral Credit Card Rewards & Benefits
| Reward Rate | 2 RP per 100 |
|---|---|
| Welcome Bonus | Welcome points |
| Lounge Access | 1 complimentary domestic airport lounge visit per quarter (subject to spending ₹35,000 or more in preceding calendar quarter) |
| Best For | Beginners |
Key Highlights of the Coral Credit Card
- Basic lifestyle card
- 2 RP per 100
- 1 complimentary domestic airport lounge visit per quarter (subject to spending ₹35,000 or more in preceding calendar quarter)
Coral Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 700+
- Minimum income: ₹2,50,000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the Coral Credit Card
- Entry lifestyle — a built-in advantage for cardholders.
Drawbacks of the Coral Credit Card
- Before applying, factor in low rewards.
Coral Credit Card — Frequently Asked Questions
What is the annual fee of the Coral Credit Card?
The Coral Credit Card has an annual fee of ₹500 and a joining fee of ₹500. New cardholders receive Welcome points as a welcome benefit, which helps offset the joining cost.
Does the Coral Credit Card offer airport lounge access?
Yes — the Coral Credit Card offers 1 complimentary domestic airport lounge visit per quarter (subject to spending ₹35,000 or more in preceding calendar quarter).
Who is eligible for the Coral Credit Card?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Coral Credit Card?
The Coral Credit Card earns 2 RP per 100. It is best suited for Beginners.
Credit Cards Similar to the Coral Credit Card
If you are considering the Coral Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.2/5