ICICI Bank Coral Contactless Credit Card : Apply Online
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ICICI Bank Coral Contactless Credit Card

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ICICI Bank Coral Contactless Credit Card


ICICI Bank Coral Contactless Credit Card is a premium entertainment credit card suitable for Movie lovers and people who like to Dine Outside. Its main feature is its contactless technology which ensures a quicker and safer payment. It offers benefits like unlimited Cash Rewards, Free Movie Tickets, Discounts on Dining Bills, 3.5% savings on fuel and more. Let’s take a look at the details of the card given below.

What Are The Features and Benefits of ICICI Bank Coral Contactless Credit Card?

  • Contactless Technology – Enjoy a built-in Mastercard contactless technology to make quick and secure payments at retail outlets.
  • Reward points – Get 2 PAYBACK reward points per Rs 100 spent on retail purchases except for fuel and 1 PAYBACK reward per Rs 100 spent on utilities and insurance. Also earn up to 10,000 reward points per year. (4 reward points = Re 1)
  • Lounge access – Get one complimentary airport lounge visit and one complimentary railway lounge visit per quarter.
  • Fuel surcharge waiver – Get a 1% fuel surcharge waiver on a maximum spend of Rs 4000 per transaction at all HPCL pumps.
  • Movie benefit – Book one movie ticket on BookMyShow and get the other one free. Also, get up to 2 free tickets worth up to Rs 250 per ticket per month.
  • Dining benefit – Get a minimum of 15% off on your dining bill at over 2500 partner restaurants across 12 major cities via ICICI Bank Culinary Treats Program.
  • An annual fee waiver – Spend Rs 1.5 lakhs in a year and get your annual fee waived off for that year.
  • Chip and pin security – Stay secured with ICICI Bank Coral Contactless Credit Card which comes with an embedded microchip that provides additional security against counterfeiting and duplication of the credit card.

What Are The Eligibility Criteria for ICICI Bank Coral Contactless Credit Card?

  • The age of the applicant must be between 18 – 60 years.
  • The applicant must be an Indian citizen.
  • The applicant must have a good credit score. A score of 750 is considered great.
  • The applicant should be able to produce all the required documents.

What Are The Documents Required for ICICI Bank Coral Contactless Credit Card?

Required Documents for Identity Proof

  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card


Required Documents for Address Proof

  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bills not more than 2 months old


Required Documents for Income Proof

  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants


Other Documents Required

  • Recent passport-sized photograph


How to apply for ICICI Bank Coral Contactless Credit Card?

Want to apply for the card online without any hassle? The best way to do so is by logging on to Investmentcover.com, an online marketplace for credit cards, loans, and other financial products. All you need to do is share a few details online before submitting your credit card application.

Investmentcover team will send your credit card application further to ICICI Bank. The bank will first examine the details entered, the required documents, whether the applicant has good credit or not and give the nod only when it is satisfied with the investigation.

Applicants with good credit have a greater chance of approval for their credit card application. If the credit card application is approved, one can then get their credit card delivered at the address provided and pay the annual fees after the first usage of the credit card.

Go through the steps below to start your credit card application and get your required credit card without any hassle:

  1. Click here to start your credit card application process.
  2. Fill the basic requirements like your Name, Occupation, Monthly Income, etc. to check your eligibility.
  3. If you are found to be eligible, you will be redirected to the online credit card application page.
  4. Fill the online credit card application form and submit the form.
  5. Upload and submit the required documents.
  6. Once your credit card application is complete, the bank will review your credit card application and the required documents and will then approve it. You will receive your ICICI Bank Coral Contactless Credit Card within a few working days after the approval of your credit card application.

Additionally, you can log on to the ICICI Bank official website and get the ICICI Bank credit card application online.

Fees & Charges of ICICI Bank Coral Contactless Credit Card




Joining Fee

Rs 500 + GST

Annual Fee

Rs 500 + GST

Interest-free period

Up to 48 days

Overdue interest on extended credit and cash advances

3.4% per month (40.8% annually)

Cash Advance transaction fee

2.5% on the advanced amount (subject to a minimum of Rs 300)

Dial-a-draft transaction fee

3% of the draft value amount subject to a minimum fee of Rs 300

Over-limit charges

2.5% on the over-limit amount (subject to a minimum of Rs 500)

Return of cheque

2% of the total amount due (minimum Rs 250)

Auto-debit return fee

2% of the total amount due (minimum Rs 250)

Fee on cash payment at branches

Rs 100 per payment transaction

Outstation cheque processing fee

1% of the cheque value (subject to a minimum of Rs 100)

Duplicate statement request (beyond 3 months)

Rs 100

Card replacement fee

Rs 100

Cheque/Cash pick-up fee

Rs 100 per pick-up

Charge slip request

Rs 100 per charge slip

Foreign currency transactions

Mark-up of 3.5%

Railway booking surcharge

1.8% of the transaction value for interest transactions and 2.5% for other bookings

Fuel surcharge

2.5% of transaction value or Rs 10, whichever is higher

Service tax

Presently at 15%

Reissue of lost, stolen or damaged cards

Rs 100

What Are The Late Payment Charges for ICICI Bank Coral Contactless Credit Card?

Statement Balance (in Rupees)

Late Payment Charges (in Rupees)

Less than 100


100 – 500


501 – 10,000


10,001 – 20,000


Greater than 20,000


What Are The Reward Point Benefits on your ICICI Bank Coral Contactless Credit Card?

Your ICICI Bank Credit Card entitles you to earn PAYBACK Points on your transactions. PAYBACK, India’s largest Reward Program, has powered ICICI Bank Rewards to bring you a suite of exciting rewards from your everyday spending.

You not only earn PAYBACK Points when you use your ICICI Bank Credit Card, but also earn additional points from PAYBACK Partner Brands for the same purchase.

You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more. And what’s more, you do not need a minimum number of reward points to start redeeming your rewards.

Also, the ICICI Bank reward points earned have no expiry date as long as you are a cardmember and all your ICICI Bank accounts are not overdue and in good standing.

How To Redeem ICICI Bank Coral Contactless Credit Card Reward Points?

The redemption of ICICI Bank Coral Credit Card can be done in various ways. Here are the details of the reward redemption:

  1. Through Payback Gift Catalog
  2. Through Payback Partners
  3. Redeem Payback Points for Airmiles 
  4. Online Redemption
  5. Redemption through phone call

Redeem through PAYBACK gift catalog:

  • Select your favorite product from 1000+ products on the PAYBACK Rewards Catalogue and vouchers from 100+ brands on PAYBACK Voucher World. For more details, please visit payback.in
  • Choose your rewards from multiple categories including electronics, mobiles, travel, kitchen appliances and more.
  • Log in and place your order for a reward of your choice.
  • The voucher will be delivered instantly on your email id and mobile number. The product will be delivered at your billing address within 2 weeks at no extra cost.

Redeem through PAYBACK Partners

  • Choose from over 100+ partners.
  • Visit any of ICICI banks’ in-store / online partners.
  • Use your PAYBACK Card / Quote Linked Mobile Number on checkout.
  • Redeem points for great savings.

Redeem PAYBACK Points for Air Miles

  • Fly with Jet Airways using your PAYBACK Points.
  • Redeem your PAYBACK Points for JP Miles and travel to your heart’s content.
  • To redeem, please visit payback.in or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

How to Redeem ICICI Bank Coral Contactless Credit Card points online?

Follow the steps below to redeem your reward points through ICICI Bank Internet Banking:

  1. Login to the ICICI official website with your Internet Banking ID and Password.
  2. Go to the “Credit Cards” page and click on the “Reward Points” section.
  3. Select “Redeem Online” and choose your item of choice from the drop-down menu.
  4. Keep a note of your unique order number for future reference.

If you do not have an Internet Banking ID and password, please call the bank’s 24-hour Customer Care number to generate the same. 

Redeem your reward points through a phone call

  1. Call the bank’s 24-hour Customer Care number in your city to have their customer service representative assist you. 
  2. Specify the item code of the reward that you would like to redeem to the Customer Service Representative.
  3. Keep a note of your unique order number for future reference

Please allow approximately 10 working days for your redemption orders to be mailed to your billing address. Please note that gifts issued are not refundable, nor exchangeable for cash, or another reward. 

For Air Miles redemptions (Jet Airways, Singapore Airlines or Kingfisher Airlines), please call the 24-hour Customer Care number in your city.

How to view my ICICI Bank Coral Contactless Credit Card reward points summary?

You can view your ICICI Bank Coral Contactless Credit Card reward points summary through the following ways:

  1. Through Internet Banking: Log in to your internet banking account > Exclusive Offerings > Reward points > View Rewards > Submit.
  2. Through iMobile: Log in to your iMobile account > Smart keys and services > Account services > Reward points
  3. Through SMS: Send an SMS “DCPBAL last 4 digits of your ICICI Bank Savings/Current account number” to 9212146468 from your registered mobile number.

In case you receive an error message, it may be because your mobile number is not updated with PAYBACK or your Savings Account Number is not linked with your PAYBACK account. Please call the PAYBACK Contact Centre to have this corrected. You can also register with PAYBACK online by logging on www.payback.in and click on the 'Register here' tab.

Customer care for ICICI Bank Credit Card

You can clear all your doubts and queries through ICICI Bank customer service. You can get access to the ICICI Bank customer service executives through the ICICI Bank helpline number, correspondence address or email id.

You can contact ICICI Bank at any of the following Customer Care numbers and/or at such other Customer Care numbers as may be notified by ICICI Bank from time-to-time. The phone numbers and e-mail addresses mentioned here are the only customer care number of ICICI bank, which you should use. Please do not use any other since these may put you at risk of fraud.

ICICI Bank Customer Care Phone Banking Numbers in India


Contact Numbers


Contact Numbers


33667777 / 44455000



Andhra Pradesh





33667777 / 44455000


33667777 / 44455000




3366777 / 4445500



Madhya Pradesh







3366777 / 4445500


33667777 / 44455000






33667777 / 44455000








33667777 / 44455000
















3366777 / 4445500





Tamil Nadu


Himachal Pradesh


Uttar Pradesh



33667777 / 44455000




3366777 / 4445500

West Bengal






Call charges may be applicable as per your tariff plans with your service provider.

Grievance Cell

In the event that you are not satisfied with ICICI bank’s services, you may register your grievance by:

  1. Visiting “Complaint Form” at icicibank.com 
  2. Calling at ICICI bank Customer Care number provided above
  3. Writing to Mr. Subhendu Tripathy, Nodal Officer, ICICI Bank Limited, ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India.
  4. By dialing the toll-free number 1800 102 4242 between 9 a.m. to 6 p.m. from Monday to Friday. After dialing the number, press 1 and then enter the Service Request Number (numeric digits only) which should not be more than 2 months old.

In all your communications with ICICI bank, please indicate your complete credit card number.

ICICI Bank Credit Card Postal Address: ICICI Bank Limited, ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India.

How to get ICICI Bank Coral Contactless Credit Card Online Application Status?

Get the real-time status of your ICICI Bank credit card by simply visiting the official ICICI Bank website. You just need to put your credit card application reference number, date of birth, etc. and follow a few simple steps and you are done with the credit card application status. You would get to know the status, whether the application is approved, pending for approval or rejected. You can even call the customer care or the ICICI bank branch officials to check the status.

Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.  

You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.

ICICI Bank Coral Contactless Credit Card Credit Limit

The credit limit will be determined by ICICI Bank depending on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have stability in either your job or business. Add-on cardmembers will have the same limit as the primary cardholder. A greater income reinforces confidence about your repayment capability and when supported with a good score, the card with a higher limit remains more of a formality. 

The credit limit and cash withdrawal limit will be communicated to the cardholder at the time of card delivery and in the monthly statements. The available credit limit at the time of the statement generation is provided as part of the monthly statement.

Existing cardholders can get a good credit limit by asking ICICI Bank to raise the credit limit by writing to the bank and providing financial documents declaring their income. After receiving the request of limit enhancement, ICICI Bank will check the repayment pattern, employment, business details and the new income document provided before coming to a decision of whether it will raise the credit limit or not.

A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.

This is not a situation anybody would want to be in as a default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain easy approval to the credits you may apply in the future.

In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.

At the same time, don’t be too little on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spending to ensure a proper credit utilization ratio, translating into the good credit history and a non-default situation.

ICICI Bank Coral Contactless Credit Card Statement and Bill Payment

ICICI Bank will bill you on a monthly basis for all charges incurred by the use of your credit card and for all charges applicable to your card account. However, there may be no statement generated for the period in which there has been no outstanding due and no transaction on the account in the past month. The billing statement will be dispatched to you at your mailing address or by e-mail.

You may choose to pay only the Minimum Amount Due (MAD) indicated in the statement by the due date. The Minimum Amount Due shall be 5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion. In case of any repayment through installments, the installment amount due during the statement period will be added to the Minimum Amount Due. If the total outstanding is more than the credit or cash limit, then the amount by which the credit or cash limit has been exceeded will also be included in the Minimum Amount Due. Minimum Amount Due shall also include unpaid Minimum Amount Due to the previous statements if any.

Interest will be charged if the Total Amount Due is not paid by the payment due date even if the Minimum Amount Due has been paid. If you spend Rs 5,000 and pay back exactly the Minimum Amount Due (subject to a minimum payment of Rs 100) every month, it will take you up to 6 years and 6 months to pay back the total amount. So, it is suggested that whenever your cash flows allow, pay back an amount substantially more than your Minimum Amount Due.

No merchant refund/cashback/credit due to transactions converted to EMI / canceled transactions/reversals / promotional cashback will be considered as a payment towards the outstanding of the card. In case you make an excess payment compared to the outstanding of the card, there will be credit balance in the card account. This will be adjusted against the subsequent transactions on the card. However, no interest can be claimed on this excess credit amount.

Bill payment towards the card account may be made in any of the following ways:

  1. Cash: You may deposit cash at any of the ICICI Bank branches towards the card payment. Payment through cash at any ICICI Bank branch would require a fee of Rs 100 per transaction.
  2. Cheque/Draft: Make a cheque or draft favoring ICICI Bank Credit Card No. XXXX XXXX XXXX XXXX and drop it into the collection box at any ICICI Bank branch / Skypark drop boxes / ATM locations where drop boxes are available.
  3. Internet: If you hold a Savings Account with ICICI Bank then you may pay online by logging in to ICICI Bank’s official website.
  4. Auto-Debit: If you hold a Savings Account with ICICI Bank, you may pay directly through the Savings Account by giving instructions in writing to debit the payment from your savings accounts every month on the payment due date. In case the payment due date falls on a Sunday, the amount would be debited from your savings account on the next day.
  5. Click to Pay/NEFT: Pay your ICICI Bank Credit Card dues from any of your other bank Savings Accounts using Click to Pay/NEFT.

Termination/Revocation of ICICI Bank Coral Contactless Credit Card membership

You may choose to terminate your ICICI Bank Coral Contactless Credit Card membership at any time with or without giving prior notice to the bank. For avoiding misuse, it is advised to cut your credit card into four pieces ensuring that the hologram and magnetic strip are destroyed permanently.

You may terminate the card membership at any time by writing to ICICI Bank Limited, ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India by indicating the complete card number. The termination shall only be effective once ICICI Bank receives the payment of all amounts due and outstanding in respect of the said Card Account.

In the event of a credit card program closure or at the time of renewal of credit card, ICICI Bank Limited at its sole discretion reserves the right to provide a card type that is different from the existing card type held by the cardmember. The credit limits and cash limits on any credit card at any point in time are as per sole discretion of ICICI Bank Limited. The card application shall continue to be valid for any replacement card provided at the time of closure/renewal

Things to be sure of before you cancel your credit card

  • Payment of outstanding/dues: Before canceling your credit card, make sure that your account balance is zero and all your outstanding balance has been paid. Also, remember that all EMIs on your credit card have to be closed. If you initiate the process of cancellation without paying all your dues, the bank will notify you via a call or an e-mail on your registered mobile number or e-mail id. The cancellation process will not move forward if all dues have not been paid and the account balance is not zero. For credit cards issued on Fixed Deposits, the lien on the Fixed Deposit can be removed only after the entire outstanding on the card are clear. In case a loan is active on the credit card, it will be pre-closed and for which you will have to pay a pre-closure charge at 3% of the outstanding amount. The entire dues including the pre-closure charges are to be cleared.
  • Stop or switch any automatic payment: If your card is being used to make automatic payments, then either cancel them or switch them to other cards or other payment methods. Check the date at which the automatic payment is scheduled to ensure that it will not go through before you cancel your credit card.
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