ICICI Coral Credit Card Review (2026)
ICICI's dining-focused mid-tier card. The Culinary Treats Buy-1-Get-1 program at partner restaurants is the real draw here.
Last updated: 2026-03-26· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹500 |
| Joining Fee | ₹500 |
| Fee Waiver | Spend 1.5L in a year |
| Income Required | ₹4L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: ICICI Payback Points
Lounge Access
Our Review
The Coral is the card you get for ICICI's Culinary Treats program. The Buy-1-Get-1 at partner restaurants can save you thousands per year if you dine out regularly — even using it once a month at a partner restaurant easily saves more than the 500 annual fee. The 2x base rate is nothing special, and Payback Points are notoriously low-value (you're better off converting to Amazon vouchers). Think of this as a dining discount card that happens to earn some points, not a points-earning card. Pair it with a higher-earning card for non-dining spends. If you have an ICICI salary account, approval is almost guaranteed.
Pros & Cons
Pros
- + ICICI Culinary Treats program — buy 1 get 1 at partner restaurants
- + 4x on dining is good for a mid-tier card
- + 4 domestic lounge visits at just 500/year
- + Easy 1.5L fee waiver threshold
Cons
- - 2x base rate is average — free cards like IDFC Classic match it
- - Payback Points have very low redemption value (~0.15/point)
- - No international lounge access
- - Culinary Treats restaurant list varies by city
Best For
Frequently Asked Questions
Is the ICICI Coral Credit Card worth it in 2026?
It depends on your spending. The ICICI Coral Credit Card costs ₹500/year (waiver: Spend 1.5L in a year). With an effective base return of 0.6%, you'd need to spend approximately ₹83,333 per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the ICICI Coral Credit Card annual fee?
The ICICI Coral Credit Card has an annual fee of ₹500. Joining fee is also ₹500. Fee waiver: Spend 1.5L in a year.
What is the minimum salary required for ICICI Coral Credit Card?
The minimum annual income required for the ICICI Coral Credit Card is ₹4L. However, if you have an existing banking relationship with ICICI Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on ICICI Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.