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How to Apply for the ICICI Coral Credit Card in 2026

Rahul Dabhi's profile photo Rahul Dabhi
4 min read
Reviewed by Renish Mithani Last reviewed 5 September 2026 Data verified 5 September 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.

How to Apply for the ICICI Coral Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, salary slips, bank statement, mobile

Apply for the ICICI Coral Credit Card with 2 reward points per ₹100 and 1% fuel surcharge waiver. Eligibility, fees, and step-by-step walkthrough.

  1. Check Coral eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000 for salaried. CIBIL score of 720+ is preferred. Self-employed applicants need a minimum annual income of ₹2.5 lakh.
  2. Apply online through ICICI — Visit icicibank.com → Cards → Credit Cards → Coral. The page has an Apply Now button. The form is pre-filled if you are an existing ICICI customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment type, employer, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Your identity and address are pulled from UIDAI within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips and the last 6 months’ bank statement. Self-employed applicants must upload 2 years’ ITR with computation and Form 26AS.
  6. Submit and track — Submit the form. You will get a 12-digit application reference. Track status in iMobile Pay or on the ICICI website. Approval takes 7–10 working days.
  7. Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, iMobile Pay, or at any ICICI ATM by setting a 4-digit PIN.
  8. Start earning reward points — Use the card for all retail spends to earn 2 reward points per ₹100. Track points in iMobile Pay and redeem via the Reward Store for vouchers, air miles, or product catalogue items.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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