ICICI Bank Coral

ICICI Bank

ICICI Bank Coral is a lifestyle-focused credit card that rewards dining and food delivery spends with accelerated reward points, making it particularly attractive for India's growing base of food enthusiasts who regularly order from Swiggy and Zomato or dine at restaurants. At an annual fee of ₹1,500 — reversed on spending ₹2 lakhs per year — the card provides a balanced mix of dining rewards, airport lounge access, and everyday savings. The card's 2X Reward Points on dining and food delivery is its standout feature, delivering effectively 2% value back on restaurant spends, Swiggy, Zomato, and other food delivery platforms. For urban professionals who spend ₹5,000-₹10,000 per month on dining and food delivery, this can generate ₹100-₹200 per month in reward points — ₹1,200-₹2,400 per year, well above the annual fee. Six complimentary domestic airport lounge visits per year (provided through the Visa Lounge Access program) offer meaningful value for occasional travellers. These visits can be used across 100+ airports in India, making the card useful for the regular domestic flyer who doesn't travel frequently enough to justify a premium unlimited-lounge card. The 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations provides additional savings for commuters, while the Buy 1 Get 1 movie ticket offer on BookMyShow (twice per month, up to ₹200 off per ticket) adds entertainment value for couples. The ₹2 lakhs annual spending threshold for annual fee reversal is approximately ₹16,667 per month — achievable for most working professionals with reasonable dining and shopping spends. Source: ICICI Bank official website, updated May 2026.