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

Introduction

The Expressions Coral Debit Card, issued by ICICI Bank, offers a unique blend of features from both the Expressions and Coral Debit Cards. It is designed for individuals seeking high daily transaction limits, attractive movie ticket discounts, enhanced reward points on spends, and spend-based airport lounge access. This card allows for personalization with custom card designs and provides comprehensive privileges for a premium banking experience.

Welcome Benefits

• Customers will receive dynamic joining benefits and vouchers upon getting this card.

Transaction Limits & Usage

• Daily ATM Withdrawal Limits:
  • International: ₹1,50,000
  • Domestic: ₹1,50,000
• Daily POS/Online Transaction Limits:
  • International: ₹2,00,000
  • Domestic: ₹5,00,000
• International Usage: The card supports both international ATM withdrawals and POS/online transactions.
• Tap and Pay: Available for PIN-free Debit Card transactions at supported contactless terminals using an Android Phone.

Fees and Charges

• Joining Fee: ₹1,299 + GST (Applicable on new cards issued from July 1, 2026)
• Annual Fee: ₹1,299 + GST
• Fuel Surcharge: Fuel payments are excluded from earning reward points.

Rewards & Offers

• Reward Points:
  • Earn 6 points on every ₹200 spent on international transactions.
  • Earn 3 points on every ₹200 spent on domestic transactions.
  • Reward points are not earned on spends related to fuel, education, Mutual Funds, insurance, and Government payments.
  • Reward points can be redeemed for categories such as Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.
• Lounge Access:
  • Receive 2 complimentary Domestic Airport Lounge accesses.
  • Eligibility requires a minimum spend of ₹10,000 on the Expressions Coral Debit Card in the previous calendar quarter to avail the benefit in the following calendar quarter.
  • Lounge access benefit is exclusively applicable to the primary cardholder.
• Movie Discounts:
  • Get 25% off up to ₹200 on the purchase of two movie tickets through BookMyShow.
  • Get 25% off up to ₹75 on the purchase of two movie tickets at INOX Movie multiplexes.

Debit Card Review

The Expressions Coral Debit Card is ideal for individuals who frequently spend and travel, both domestically and internationally, and can leverage its high transaction limits and reward structure. It offers significant value through movie discounts and spend-based lounge access. However, users should be mindful of the annual fee and the spend requirement for lounge access. The card's customization option adds a unique personal touch.

• Pros:
  • High daily ATM withdrawal and POS/online transaction limits.
  • Attractive reward points program, especially for international spends.
  • Valuable movie ticket discounts on BookMyShow and INOX.
  • Complimentary domestic airport lounge access based on spending.
  • Option to customize the card design.
  • Contactless "Tap and Pay" functionality.
• Cons:
  • An annual fee of ₹1,299 + GST applies.
  • Lounge access is conditional on meeting a quarterly spend threshold.
  • Certain spending categories (like fuel, education, insurance) are excluded from earning reward points.

Important Product Details

• Custom Card Design: Personalize your card by choosing from over 175 pre-installed templates (themes like Zodiac, Sports, Travel) or by uploading your own picture.
• High Transaction Limits: Offers high daily limits for both ATM withdrawals and POS/online transactions, domestically and internationally.
• Enhanced Rewards: Provides higher reward points on international spends compared to domestic spends.
• Movie Benefits: Specific discounts available for movie ticket purchases via BookMyShow and INOX.
• Lounge Access: Provides 2 domestic airport lounge accesses per quarter, subject to a minimum spend.
• Contactless Payments: Supports Tap and Pay for quick and secure transactions.

Other Details

• Card Activation: The Expressions Coral Debit Card can be activated through the iMobile app, Internet Banking, Customer Care (1800 1080), or by visiting any ICICI Bank Branch.
• Card Upgrade: Existing customers can upgrade to this card via the iMobile app, Internet Banking, or by visiting an ICICI Bank Branch.
• Terms & Conditions: Detailed Terms & Conditions are available for review.