ICICI Bank Coral Credit Card | Check Features, Ability & How to Apply

As in childhood, library cards take you to exotic faraway places, similarly, in adulthood, ICICI Bank Coral credit cards do. This card not only offers amazing cash-backs, and heavy discounts, but also provides top-notch security for its customers.

ICICI Coral Credit Card Offers September 2022

On every spending of Rs 100 , 2 reward points will be provided except for fuel.

On Insurance, 2 rewards will be given on Rs 100 spend.

Spending of Rs 2 lakh, 2000 rewards will be given. Additional 1,000 reward points upon reaching Rs 1 Lakh post Rs 2 Lakh spend.

To book my show or inbox, a 25% discount will be given.

Complimentary admission to Railway Lounge in India and one MasterCard or Visa-associated airport lounge every quarter will be given.

If the transaction is below Rs 4000, a 1% fuel surcharge waiver will be given at HPCL Petrol pumps,

Processing fees & Charges

At the time of availing of the card, the below charges and fees will be provided.

On paying the fees of Rs 500 +GST, you are access to your ICICI Bank Coral Credit Card.

There will be no charge on the first year of membership, but from the second year onwards an annual fee of INR 500+GST is charged.

There is no supplementary card fee that will be charged on this Credit Card.

The bank charges an overdue interest on extended credit and cash advances of 3.40% on a monthly basis which cumulates to become 40.80% annually.

Eligibility Criteria for ICICI Bank Coral Credit Card

 The age limit of the applicant must be between 18 years to 60 years. The add-on cardholder must be a minimum of 15 years.

The applicant must have a stable source of income so that he or she can repay on time

The applicant must be an Indian

The applicant must have a good credit score without any record of default in the past.

Documents Required

PAN Card/Voter ID/Passport/Driving License/Aadhaar Card as proof of identity.

Voter ID/Passport/Driving License/Aadhaar Card/Utility Bill as proof of address

ITR or salary slips for the last 2 months

Passport sized photographs

Terms & Conditions

Late Payment Charges: If you forget to pay the payment of your credit card on time, don’t worry pay it later, but you will be fine with late payment charges which are as follows

Rs 100, if the late amount is between Rs 100-500

Pay Rs 500, if the late amount due is between Rs 501-10,000

Rs750, if the late amount due is more than Rs 10,000

Over-limit charges: ICICI Bank charges 2.50% (a minimum of INR 500) on the over-limit amount if the card bearer exceeds the prescribed limit of the card.

Grace Period: The interest-free grace period permitted by the bank is from 18 to 48 days.

Credit and Cash Limit: The credit and cash limit will be told to the cardholder at the time of receiving the card and will also indicate in the monthly statements.

Apply for ICICI Coral Credit Card Online 

You can apply through  ICICI Bank’s website  online where you can also compare a wide range of credit cards according to your need. Make sure while applying for the card, you will enter your personal and professional details correctly .At the end, you need to submit your application, then it will reach ICICI Bank for screening. The bank will investigate the details thoroughly before saying ‘Yes’ to your application.

Credit Card Application Status

Trace the status on the website of ICICI Bank. Here’s the list of steps you need to follow.

Click on ‘Track Your Application Status’

Enter your mobile number, date of birth and application number

Click on Send OTP

An OTP will come to your mobile number

Type the OTP at the respective space

Click on ‘Continue’ at the bottom

ICICI Coral Credit Card Credit Limit

The credit limit will basically depend on your income and credit score. If you have a healthy income aided by a score of more than 750, ICICI Bank can offer you a greater limit on Coral card. However, you better not spend beyond your ability to pay on time. Defaulting on the card payment can worsen your credit score.

ICICI Bank Coral Card Bill Payment

Login to your ICICI Bank net banking, and go to the credit card section for bill payment. Or with the ECS, the bills get paid automatically from the bank account, you just have to choose for payment. Make sure to pay the bills on time to avoid unnecessary late payment charges, interest or even taxes.

ICICI Coral Credit Card Customer Care Number

ICICI Bank has timely and well-organized Customer Care officials who can help you from time to time . You can reach out the ICICI Customer Care by:

Visiting the ‘Complaint Form’ on the official website of ICICI Bank

Calling their Customer Care 24X7 Helpline on 1800-102-4242 between 9 am to 6 pm from Monday to Friday

ICICI Coral Credit Card Statement

The statement will be dispatched via post or email to the registered mail address by the officials of the bank.

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