ICICI Bank NRI Coral Credit Card Review

ICICI Bank Coral credit card is aimed at the non-resident Indians who are visiting India, this card comes with a couple of sweet features like complimentary domestic lounge visits, dining discounts, free 3 UBER vouchers (Rs.100 *3) along with movie ticket benefit, etc. Let’s have a closer look at the benefits of this card. 

ICICI Bank NRI Coral Credit Card Review

Eligibility Criteria:

  • Resident Type: Non-Resident Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: This card can be issued against a fixed deposit account. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: This card can be issued against a fixed deposit account. 

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)
      • Latest salary slip (3 months)
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹1,000 + GST
  • Annual Fee: ₹500 + GST (Can be waived off if ₹1.5lakh is spent within a year)

Benefits:

  • Uber gift voucher:

With this card, you will get 3 complimentary vouchers from Uber, ₹100 each. 

  • Lounge Access:

This card offers 2 complimentary domestic airport lounge visits per quarter (MasterCard).

  • Movie benefit:

Whenever you book a movie ticket from BookMyShow with this card, you will get 1 movie ticket completely free with the purchase of another. You can get a maximum of 2 free movie tickets in a month. 

  • Dining benefit:

This card offers a minimum of 15% savings on dining bills at over 2600+ restaurants across India.

  • Fuel surcharge waiver:

With this card you will get a 1% waiver on fuel surcharges, this offer is applicable at any HPCL fuel stations in India. The maximum transaction amount is ₹4,000. 

  • EMV Chip card: 

This card comes with the advanced EMV Chip and PIN system, which adds an extra layer of protection to your transactions. 

Charges:

  • Cash Withdrawal Charge: 2.50% against the withdrawn amount. 
  • Finance Charge: 3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1860 120 7777

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

Dispute Resolution Process:

100xGain Ratings: 5/10

Final Opinion:

This card is specially designed for Non-Resident Indians, and use as a secondary credit card. Otherwise, I don’t find any other use for this card. This card is issued against a Fixed deposit account, which makes it easier to get for those people who do not have a good CIBIL score. 

But there are several credit cards in the Indian Market that are issued against fixed deposit charges no joining or annual fee and offer way more benefits than this card. So if you are not a non-resident Indian and if you want a secured credit card, then you can go for Axis Bank Insta Easy Credit Card.

 

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