How to Apply for the ICICI Coral Credit Card in 2026

The ICICI Coral Credit Card is a lifetime-free mid-tier card with 2 reward points per ₹100 on all retail spends, 1% fuel surcharge waiver, and 1 domestic lounge visit per quarter. The card is a good choice for users who want a single card that handles every category reasonably well without the complexity of multi-card strategies.

Why this matters

Coral is positioned between the Amazon Pay ICICI and the ICICI Sapphiro. The card is lifetime-free with no fee waiver targets, making it predictable. The 1% fuel surcharge waiver is useful for users with a 4-wheeler, and the quarterly lounge visit is enough for an occasional flyer.

Related cards

How to Apply for the ICICI Coral Credit Card in 2026

Common mistakes to avoid

Do not use Coral for EMI, cash advances, or fuel transactions at HPCL pumps — these earn 0 reward points. Avoid splitting big purchases across multiple cards in the same month — ICICI's internal algorithm flags customers for credit cycling.

Pro tips

• Use Coral for offline retail and dining to maximise 2 points per ₹100
• Maximise the 1% fuel surcharge waiver by using the card at any fuel station between ₹500 and ₹4,000
• Redeem points via iMobile Pay's Reward Store for product vouchers (best value)
• Pair with the Amazon Pay ICICI card for online shopping and grocery spends

Frequently asked questions

Is ICICI Coral lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

How many lounge visits are included?

1 domestic lounge visit per quarter via Dreamfolks. International lounge access is not included.

What is the fuel surcharge waiver limit?

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹100 per month.