ICICI Bank Coral Credit Card
- APR
- 45.0% – 45.0%
- Annual Fee
- ₹500
- Rewards
- Up to 2.0%
The ICICI Bank Coral Credit Card is a mid-tier card offering PAYBACK points and discounts on movie tickets, making it appealing for everyday spenders.
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Our Verdict
This card is ideal for frequent shoppers who appreciate earning rewards on their purchases.
Pros
- Earn 2 PAYBACK points per ₹100 spent
- Discounts on movie tickets
- Low annual fee of ₹500
Cons
- APR of 42% is high for balance transfers
- Limited rewards on non-PAYBACK merchants
- High spending may not yield significant rewards
The ICICI Bank Coral Credit Card offers a straightforward rewards program, earning 2 PAYBACK points for every ₹100 spent. This can add up quickly for regular shoppers. It also includes discounts on movie tickets, which can appeal to cinema enthusiasts.
However, the 42% APR is notably high, making it less ideal for users who intend to carry a balance. In comparison, other cards in the market offer lower APRs with similar reward structures.
Additionally, rewards are primarily beneficial at PAYBACK partners. If you frequently shop outside this network, you may find the card less rewarding overall. Our team found that the annual fee of ₹500 is reasonable given the benefits, but it's important to assess your spending habits before applying.
For anyone who pays off their balance in full each month, this card can be a good fit. Just be cautious about the interest rate if you plan to carry a balance. For more details, refer to ICICI Bank's official page.
Watch Out
The high APR makes it unsuitable for carrying a balance month-to-month.
Best For
Best for individuals looking to earn rewards on everyday purchases and enjoy film-related discounts.
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