ICICI Bank Coral Plus Debit Card – Benefits, Fees & Eligibility

Introduction

The ICICI Coral Plus Debit Card, issued by ICICI Bank, is a premium debit card designed for individuals seeking enhanced privileges across entertainment, travel, and e-commerce. It offers a blend of high transaction limits, a rewarding points program, complimentary airport lounge access, and exclusive movie offers, making it a suitable choice for those who frequently spend and travel.

Welcome Benefits

• Enjoy a complimentary Tata CLiQ gift voucher worth ₹500 upon payment of the Annual Fee.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Domestic: ₹1,50,000
  • International: ₹1,50,000
• Daily POS/Online Transaction Limit:
  • Domestic: ₹5,00,000
  • International: ₹2,00,000
• The monthly transaction limit will be determined by the linked account type.
• Features "Tap and Pay" functionality for PIN-free contactless transactions at supported terminals using an Android phone.
• Contactless payments can be activated through the iMobile app or the bank's Net Banking portal.
• The card can be used for online shopping without any extra charges.

Fees and Charges

• Joining Fee: ₹2,499 + GST (applicable on new cards issued from July 1, 2026).
• Annual Fee: ₹2,499 + GST.
• Card Reissuance Fee: ₹300 + GST.

Rewards & Offers

• Reward Points Program:
  • Earn 8 reward points on every ₹200 spent internationally.
  • Earn 4 reward points on every ₹200 spent domestically.
  • Reward points can be redeemed for categories such as Health and Beauty, Travel and Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion and Lifestyle.
  • Reward points must be used within three years from the date of issuance.
• Airport Lounge Access:
  • Receive 4 complimentary domestic airport lounge accesses every quarter.
  • Eligibility requires eligible spends of ₹10,000 or more on the card in the preceding calendar quarter.
  • This benefit is exclusively applicable to the primary Cardholder.
• Movie Offers:
  • Get 25% off up to ₹250 on the purchase of two movie tickets through BookMyShow.
  • Get 25% off up to ₹100 on the purchase of two movie tickets at INOX Movie multiplexes.

Debit Card Review

The ICICI Coral Plus Debit Card is a high-end offering from ICICI Bank, providing unique benefits across entertainment, travel, e-commerce, and healthcare sectors. It is ideal for individuals who have significant domestic and international spending, frequently travel, and can leverage the high transaction limits and reward points. The card's value is maximized by utilizing its complimentary lounge access (subject to spend criteria) and movie discounts, which can help offset the annual fee. While the joining and annual fees are substantial, the array of premium benefits makes it a strong contender for users seeking a comprehensive debit card experience.

Important Product Details

• Positive Highlights:
  • High daily ATM withdrawal and POS/online transaction limits.
  • Generous reward points on both domestic and international spends.
  • Complimentary domestic airport lounge access (conditional on quarterly spend).
  • Exclusive discounts on movie tickets via BookMyShow and INOX.
  • Complimentary Tata CLiQ gift voucher as a welcome benefit.
  • "Tap and Pay" contactless payment feature.
• Negative Highlights:
  • High joining and annual fees.
  • Airport lounge access is conditional on a minimum spend in the preceding quarter.

Other Details

• The card offers "Tap and Pay" functionality for contactless transactions.
• Reward points have an expiration period of three years from the date of issuance.
• Contactless payments can be activated via the iMobile app or Net Banking.
• General Terms & Conditions apply to the card's features and usage.
• An FAQ section mentions a reissuance fee of ₹200 + GST, which differs from the ₹300 + GST listed in the dedicated Fees and Charges section.