To be eligible to apply for ICICI Coral Credit Card, you must meet the basic eligibility requirements set by the bank in this regard. The parameters include age, location, occupation, income, etc. The criteria may vary from one card to another. If you meet the basic criteria and your application goes through the next level of screening, your profile will be evaluated based on your credit profile, payment history, etc.
Proof of Identity
- PAN Card
- Aadhaar Card
- Driving License
- Voter’s ID Card or Any other government approved photo ID
Proof of Address
- Aadhaar Card
- Utility bills (not more than 3 months old) or Any other government approved address proof
Proof of Income
- Bank statement for the last 3 months
- Salary slips for the last 3 months
- Audited financials for the last two years (for self-employed) or Form 16
Disclaimer: The Reserve Bank of India (RBI) has, vide order dated April 23, 2021, imposed restrictions on American Express Banking Corp. from on-boarding new domestic customers onto their card networks, with effect from May 01, 2021. Accordingly, ICICI Bank Limited shall be unable to accept further applications for ICICI Bank Credit Cards on the American Express Network. However, please note that this order does not impact existing customers.
Disclaimer: The Reserve Bank of India (RBI) has, vide order dated July 14, 2021, imposed restrictions on MasterCard Asia/Pacific Pte. Ltd. from on-boarding new domestic customers onto their card networks, with effect from July 22, 2021. Accordingly, ICICI Bank Limited shall be unable to accept further applications for any ICICI Bank Credit Cards on MasterCard network. However, please note that this order does not impact existing customers.
Coral Credit Cards
Quick links for your reference:
- Credit Card statement
- Pay Credit Card bill
- Credit Card EMI Calculator
- 3D secure and OTP generation
- Important notices
- Other key services
- MITC, T&C and FAQs
- Know more about Chip and Pin security
- Download digitised membership kits
- American Express ezeClick
- Important information regarding American Express lounge programme
What is the credit period for credit card?
Credit free period of 48 days depends on your statement date.
Are there any interest charges on my credit card?
If you make a payment for the Total Amount Due before the Payment Due Date, no interest charges are applicable. Thus you can enjoy interest-free credit from the date of purchase to the date on which the payment is due. Interest-free period could range from 18 to 48 days.
Interest will be charged if you do not pay back the Total Amount Due of the previous month statement by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions till such time as the previous outstanding amounts are paid in full. Also, interest will be levied on all cash advances from the date of the transaction until the date of settlement.
What if I cross credit limit on my credit card?
If you make a transaction that exceeds your available credit limit, ICICI Bank will use its discretion and decide whether or not to approve the transaction. If the transaction is approved, an over-limit charge would be levied to the card account. The over-limit charge is 2.5% of the amount by which the credit limit is exceeded (subject to a minimum charge of Rs.500).