What is the annual fee of the ICICI Coral Credit Card against Fixed Deposit?

Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.

Does the ICICI Coral Credit Card against Fixed Deposit give airport lounge access?

Yes. In India: 1 per quarter (NRI secured Coral page). Outside India: none listed. Conditions: Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.

What is the forex markup on the ICICI Coral Credit Card against Fixed Deposit?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the ICICI Coral Credit Card against Fixed Deposit?

No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.

M16S / ICICI Bank / ICICI Coral Credit Card against Fixed Deposit

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ICICI Coral Credit Card against Fixed Deposit

ICICI BankLast checked 11 Oct 2026

The ICICI Coral Credit Card against Fixed Deposit costs Rs 500 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.5% (2 RP per Rs 100 retail (Coral rates)). Accelerated earn: Utility and insurance 1 RP per Rs 100. The forex markup is 3.5%. Lounge visits in India: 1 per quarter (NRI secured Coral page). Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 500+ GST
Fee waived at: Rs 1,50,000annual spend
Base return: 0.5%
Forex markup: 3.5%
Interest: 3.75%a month

Apply on icici.bank.inOpens the bank’s own page.

Fees

Joining fee	Rs 500
Annual fee	Rs 500
Annual spend that waives the fee	Rs 1,50,000
Fee notes	Add-on Rs 199. Fees from MITC.

Rewards

Reward currency	ICICI Bank Reward Points
Base earnunverified	2 RP per Rs 100 retail (Coral rates)
Base returnunverified	0.5%
Point valueunverified	Rs 0.25 per point (Card Insider)
Accelerated earn	Utility and insurance 1 RP per Rs 100
Caps	Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.
Spends that earn nothing	No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.
Points expiry	3 years from issuance
Reward notes	Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. Assumes standard Coral earn rates; the FD page does not restate them.

Travel and perks

Domestic loungeunverified	1 per quarter (NRI secured Coral page)
Lounge conditions	Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.
Forex markup	3.5%
Fuel surcharge waiver	1% on Rs 400-4,000 fuel txns
Other freebies	Movie tickets 25% off up to Rs 100, twice a month

Charges and eligibility

Interest per month	3.75%
Late payment fee	Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)
Cash advance fee	2.5% min Rs 500
Eligibility	FD of Rs 50,000+ with ICICI Bank, tenure 180 days+, auto-renewal on; credit limit up to 90% of FD; one secured card per customer
Fine-print notes	FD cannot be closed until card dues are cleared. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.

Questions

What is the annual fee of the ICICI Coral Credit Card against Fixed Deposit?: Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
Does the ICICI Coral Credit Card against Fixed Deposit give airport lounge access?: Yes. In India: 1 per quarter (NRI secured Coral page). Outside India: none listed. Conditions: Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.
What is the forex markup on the ICICI Coral Credit Card against Fixed Deposit?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the ICICI Coral Credit Card against Fixed Deposit?: No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.