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
- PAN Card
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- 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?
|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: email@example.com
Pros and cons of the icici coral card:
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:
- Axis Bank Privilege credit card (Best for lounge access and dining benefits)
- Axis Bank Pride Signature Credit Card with Lifestyle Benefits (Best for lounge access and entertainment benefits)
- RBL Bank Popcorn Credit Card (Best for earning cashback)