ICICI Bank Coral Debit Card – Benefits, Fees & Eligibility

Introduction

The ICICI Bank Coral Debit Card is designed for individuals seeking entertainment and convenience, offering a blend of spend-based complimentary lounge access, attractive movie benefits, and a robust reward program. It is linked to your ICICI Bank Savings Account or Current Account and stands out with its higher reward points, zero fuel surcharge, and contactless payment capabilities.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit (Domestic): ₹1,00,000
• Daily ATM Withdrawal Limit (International): ₹2,00,000
• Daily POS/Online Transaction Limit (Domestic): ₹5,00,000
• Daily POS/Online Transaction Limit (International): ₹2,00,000
• The card supports contactless payments using payWave technology, allowing PIN-free transactions at supported terminals by tapping the card or an Android phone.

Fees and Charges

• Joining Fee: ₹749 + GST (Applicable on new cards issued from July 1, 2026)
• Annual Fee: ₹749 + GST (Applicable from the second year onwards)
• Reissuance Fee: ₹300 + GST
• Fuel Surcharge: Zero fuel surcharge on transactions made on ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL).

Rewards & Offers

• Movie Ticket Offer: Get 25% off up to ₹125 on the purchase of two movie tickets through BookMyShow.
• Domestic Airport Lounge Access:
  • Receive up to 2 complimentary domestic airport lounge accesses per quarter.
  • Eligibility requires a minimum spend of ₹10,000 in the previous calendar quarter.
  • The benefit is exclusively applicable to the primary cardholder.
• Reward Points Program:
  • Earn 4 reward points on every ₹200 spent on international transactions.
  • Earn 2 reward points on every ₹200 spent on domestic transactions.
• Reward Point Redemption: Reward points can be redeemed for a variety of categories including:
  • Health and Beauty
  • Travel and Luggage
  • Shopping Vouchers
  • Home Appliances
  • Electronics
  • Fashion and Lifestyle

Account & Eligibility Criteria

• To obtain the ICICI Bank Coral Debit Card, you must open a Savings Account or Current Account with ICICI Bank.
• Eligibility for domestic lounge access requires spending ₹10,000 or more on the Coral Debit Card in a calendar quarter to avail the benefit in the subsequent calendar quarter.

Debit Card Review

The ICICI Bank Coral Debit Card is best suited for individuals who frequently engage in entertainment activities, travel domestically, and prefer contactless payment methods. Its key advantages include complimentary domestic airport lounge access (spend-based), attractive movie discounts, and a rewarding points system for both domestic and international spends. The card also offers the convenience of zero fuel surcharge at specific outlets and supports easy contactless transactions. A customer review highlights its straightforward activation and ease of use for both online and in-person transactions. However, users should be mindful of the joining and annual fees, which are applicable from specific dates and years, respectively. The lounge access is conditional on quarterly spending, which might be a consideration for some users.

Important Product Details

• The card features payWave technology, enabling contactless payments by tapping the card or an Android phone at supported terminals.
• Contactless payments can be made from a distance of up to 4 cm from the POS terminal, eliminating the need to hand over the card.

Other Details

• Debit card payments are debited directly from your account balance and therefore do not impact your credit score.
• Terms & Conditions for the debit card are available on the bank's website.