ICICI Bank Coral American Express Credit Card Review

ICICI Bank is one of those credit card issuers that issue Several types of credit cards from time to time. In fact, there are also many sub-variants of the Coral credit cards and the ICICI Coral American Express Credit Card is one of them, ICICI Bank has designed this card with an alliance of American express India. This card is better than other icici coral credit cards. It offers some exclusive benefits at a very low cost. Let’s have a closer look at the details of the card. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 60 yrs. 
    • Income: Although not clearly mentioned by the bank, it can be around ₹50,000 monthly.  
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ITR should be greater than ₹6.5 lakh. 
  • Good CIBIL score(750 or more). 
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

ICICI Coral American Express credit card fees:

  • Joining Fee: ₹500 + GST
  • Annual Fee: ₹500 + GST

Benefits:

  • Reward benefit:

This icici bank credit card offers reward points on every spend you make with this card. 

This Amex credit card offers 2X reward points for every spend you make with this card. (Not applicable on fuel purchase)

This icici credit card offers 4X reward points on online transactions, and 1 reward point for each ₹100 spend on Insurance and Utilities.  

you can check your total earned reward points at the credit card login icici portal. 

  • Lounge Access:

ICICI Bank Coral American Express credit card offers 1 free visit per quarter at some selected domestic airport and railway lounges. 

If you can spend ₹5,000 or more with your ICICI Coral American express credit card, in a quarter then you will get the same benefit for the next quarter. 

  • Movie benefit:

If you purchase 2 movie tickets from INOX Cinemas or BookMyShow with your ICICI Coral American express card you will get up to a 25% discount on your bill. You can get this offer twice a month.  

  • Dining benefit:

Your ICICI Coral American American express card offers up to a 15% discount on your dining bills under Culinary Treats Program. 

  • American Express benefits:

With this card will also get some exclusive credit card deals of Amex credit card like benefits on Travel, Online Shopping, dining, etc. 

  • Fuel surcharge waiver:

Your ICICI Coral American express credit card offers some waiver on fuel surcharges when you swipe your card on an ICICI Swipe machine at any HPCL fuel station. The transaction amount should be under ₹4,000. 

  • Contactless payment:

This Amex card offers a contactless payment facility, so you don’t need to hand over your card at counters to make payments. It reduces the risk of misplaced or lost cards and it prevents your credit card information from going into the wrong hands. 

  • Global Acceptance:

Your ICICI Coral American express card is an international credit card that means you can use this card at any foreign outlet or e-commerce site where the AMEX card is accepted. 

Charges:

  • Cash Withdrawal Charge: 2.50% against the withdrawn amount. 
  • Finance Charge: 3.4% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1860-120-7777

Mail: You can mail the icici bank credit card service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page 

100xGain Ratings: 7/10

Final Opinion:

If you want to have a credit card for your daily use then this card can be a good option for you. This Amex credit card offers 4X reward points on online transactions, free airport lounge access, up to 25% discount on movie tickets, 15% discount on dining bills, and some exclusive benefits from American express. And if you can use this Amex card properly, you will get a good return from your expenses. 

Needless to say, this is one of the best ICICI credit cards among the coral variants, and if you want to hold an American Express® Platinum Credit Card Review at a low cost, then this card can be a good option for you. But if you want to have more benefits on online purchases then you must go for the ICICI amazon credit card. Also if you want a reward card then you can go for an American Express Smart Earn Credit Card

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