ICICI Coral Credit Card Against Fixed Deposit Review

The icici bank coral credit card against fixed deposit is quite popular among the Indians looking for their very first credit cards. Targeting first-time credit card applicants, this card offers useful rewards with every transaction, big discounts on movie tickets and dining, and lots more. Now let’s have a closer look at the icici coral credit card features.

How does the icici bank credit card eligibility work?

• Resident Type: Indian. 
• HDFC bank credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: You can get this icici credit card against fd. 
• ICICI credit card eligibility for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: You can get this icici credit card on fd.
• Minimum fixed deposit amount: Rs. 30,000 (has to keep it at least for 180 days). 
• You will get 85% of the fixed deposit amount as your icici bank credit card limit.

What are the documents required for icici credit card?

• 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: (Since it is an icici bank fd credit card you don’t need to provide any) 

What are the icici credit card fees?

• ICICI bank coral card joining fee: Rs.500 + GST
• ICICI coral credit card annual fee: Rs.500 + GST 

What are the icici bank coral credit card benefits?

• ICICI coral credit card reward points benefits:

The icici bank credit card reward points are offered like this. 

Category of transaction	ICICI bank credit card reward points( per Rs.100 transaction)
Regular credit card transactions (excluding fuel, utilities, and insurance)	2 icici payback points
Dining, Groceries, and Supermarkets	4 icici credit card payback points
Utilities and insurance	1 icici payback point

You can redeem icici credit card points against any products listed in the payback points catalog. 

• Complimentary icici coral credit card lounge access facility:

If you can spend Rs.5,000 within a quarter with your icici fd credit card, you will get 1 free access to domestic lounges in the next quarter. 

• Attractive icici credit card offers on movie tickets:

If you use this icici rubyx credit card to book at least 2 movie tickets from BookMyShow or Inox, you will get a 25% discount (up to Rs.100) on the booking value. This icici credit card movie ticket offer is applicable 2 times a month on both Inox and BookMyShow individually.

• Dine with more delight:

The dining benefits of icici credit card are attractive. Under the Culinary Treats program, this card offers a 15% discount on your dining bill.  

• Get freedom from fuel surcharges:

This icici coral credit card offers a 1% waiver on fuel surcharges across all HPCL fuel stations in India. The maximum applicable icici credit card transaction amount is Rs. 4,000.  

• Make your icici coral credit card lifetime free:

On spending Rs.1.25 lakh with your icici fd credit card within a year, you can get a complete waiver on your next year’s icici coral credit card annual charges. 

• Advanced security arrangements:

This icici coral credit card is equipped with the advanced EMV chip, these chips use a very strong encryption method to store your data making your icici bank coral card nearly impossible to clone. 

What are the icici coral credit card charges?

Particulars	Payable amount
ICICI coral credit card cash withdrawal charges	2.5% against the withdrawn amount (check your icici credit card limit before making a withdrawal)
ICICI coral card finance charge	The icici coral credit card interest rate can go up to 3.4% monthly (applicable if your icici coral credit card payment is not made in time)
ICICI credit card international transaction charges	3.5% against the transaction amount.
ICICI coral credit card add-on card fee	None

How to contact the icici credit card customer care department?

• Call the icici bank credit card customer care contact number: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
• Write to the icici bank credit card customer care mail id: headservicequality@icicibank.com 

100xGain Ratings:

6.5/10

Pros and cons of the icici coral card:

Pros	Cons
The rate of earning reward points is quite impressive. This icici coral credit card offers a big discount on dining and movies. You can get this icici bank credit card against fd.	You need to achieve a certain spending milestone to get the lounge access offer.

Final Opinion:

You can take icici coral credit card if you don’t have any credit score or you want to build a good credit history else I will not at all recommend you to take the card, as no good icici bank credit card offers or discounts are present with a joining fee of Rs.500 as well as an icici coral credit card annual fee, which is not at all acceptable.

Therefore I would recommend you take a look at the alternative card options given below. Hopefully, it will help you to find your desired credit card.

Alternative cards of the icici coral credit card: 

1. Axis Bank Privilege credit card (Best for lounge access and dining benefits)
2. Axis Bank Pride Signature Credit Card with Lifestyle Benefits (Best for lounge access and entertainment benefits)
3. RBL Bank Popcorn Credit Card (Best for earning cashback)