Home / ICICI Bank / ICICI Coral Against FD
Card Image

ICICI Coral Against FD

ICICI Bank
|
Entry Level Rewards

Annual Fee

FREE

Rewards/₹100 ⓘ

₹0.50

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

0

At a Glance

Key Benefits

2 PAYBACK points/Rs 100, 25% movie discount, fuel surcharge waiver, no annual fee

Lounge Access

No lounge access included

Eligibility

FD of Rs 20,000+ required, No income/credit score needed, Age: 18-70

Quick Details

Annual Fee
FREE #1
Joining Fee
FREE #1
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹0.50 #238
Reward Type Reward Points
Reward Currency Points
0
Min Monthly Income ₹NaN
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹300
Over Limit Fee 2.50% (min ₹500)
Cash Advance Fee 2.50% (min ₹300)
Card Replacement Fee ₹100

Reward Structure

Base

All Spends

₹0.50 /₹100

Reward Calculator

₹
Allocate by Category100%
Other Spends
2.0 pts
100%₹50,000
Your Rewards
Points Earned1,000
Cash Value₹250
Breakdown
Other Spends1,000
Total Value₹250
Quick amounts:

Insurance Coverage

Lost Card

₹0

Zero liability for unauthorized transactions when reported within 3 days.

Fraud

₹0

Zero liability for fraudulent transactions.

Quick Analysis

The ICICI Coral Against FD is a straightforward lifetime free credit card from ICICI Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.

Pros

  • Lifetime free - no annual or joining fee
  • Contactless payment enabled for quick transactions
  • Easy EMI conversion facility available
  • Add-on cards available for family members

Cons

  • No complimentary lounge access
  • High forex markup of 3.50% on international transactions
  • High interest rate of 42.00% on revolving credit

Frequently Asked Questions

What is the minimum FD required for ICICI Coral Against FD?
You need a minimum Fixed Deposit of Rs 20,000 with ICICI Bank to get this secured credit card. The credit limit is typically 80-85% of your FD value.
Do I need income proof for ICICI Coral FD card?
No, since this is a secured card against your Fixed Deposit, no income proof or credit score is required. Even students and homemakers can apply.
What are the reward points on ICICI Coral Against FD?
You earn 2 PAYBACK points for every Rs 100 spent. Points can be redeemed for rewards, gift vouchers, and cashback at a value of Rs 0.25 per point.
Can I use ICICI Coral FD card internationally?
Yes, the card is enabled for international transactions. A forex markup of 3.5% applies on all international transactions.
Is there any annual fee for ICICI Coral Against FD?
No, the ICICI Coral Against FD credit card has zero joining and annual fees, making it a lifetime free secured credit card.

User Reviews

Our Rating

3.6
APPLY NOW

on ICICI Bank's website

Rating Breakdown

Rewards
3.3/5 Top 67%
Benefits
3.2/5
Fees
4.5/5 Top 8%
Value for Money
3.6/5 Top 32%
User Reviews
3.0/5 Top 50%

Important Links

Ready to Apply for ICICI Coral Against FD?

Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare