M16S / ICICI Bank / ICICI NRI Coral Credit Card
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ICICI NRI Coral Credit Card
The ICICI NRI Coral Credit Card costs Rs 500 a year, waived if you spend Rs 1,50,000 in a year. It earns Reward points on retail and utility spends (rate not stated on NRI page). The forex markup is 3.5%. Lounge visits in India: 1 per quarter. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on icici.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 1,000 |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Fees from MITC. Add-on Rs 199. |
Rewards
| Reward currency | ICICI Bank Reward Points |
|---|---|
| Base earnunverified | Reward points on retail and utility spends (rate not stated on NRI page) |
| 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 |
Travel and perks
| Domestic lounge | 1 per quarter |
|---|---|
| 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% |
| 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 | NRIs with an NRE/NRO account, stable income, good credit history; passport, visa/work permit, Indian and overseas address proof |
| Fine-print notes | A secured NRI Coral variant against FD is also offered. 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 NRI Coral Credit Card?
- Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the ICICI NRI Coral Credit Card give airport lounge access?
- Yes. In India: 1 per quarter. 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 NRI Coral Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the ICICI NRI Coral Credit Card?
- No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.