ICICI Bank Coral Secured Credit Card (FD-Backed)
The Coral Secured Credit Card is issued against an ICICI Bank Fixed Deposit, guaranteeing 100% approval without requiring salary slips, tax returns, or prior credit history. It retains the standard Coral features—including BookMyShow discounts and RuPay UPI support—while establishing creditworthiness.
Why We Recommend The ICICI Bank Coral Secured Credit Card (FD-Backed)
An accessible secured card that grants full retail rewards, movie discounts, and lounge access against a term deposit.
Individuals needing guaranteed approval with lifestyle perks to build or repair their CIBIL score.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the ICICI Bank Coral Secured Credit Card (FD-Backed)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for ICICI Bank Coral Secured Credit Card (FD-Backed)
Zero hidden costs. Complete fee schedule verified with ICICI Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the ICICI Bank Coral Secured Credit Card (FD-Backed)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (1 per quarter) + 4 railway lounge visits
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes ICICI Bank Coral Secured Credit Card (FD-Backed) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Issued instantly against an ICICI Bank Fixed Deposit of ₹50,000 or more.
Credit limit assigned up to 85%–90% of underlying Fixed Deposit balance.
Underlying Fixed Deposit continues earning compounding interest.
Pros & Cons of the ICICI Bank Coral Secured Credit Card (FD-Backed)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Guaranteed approval for college students, freelancers, and credit score repairers.
- Retains all standard Coral privileges (BookMyShow movie discounts, lounge access, dining perks).
- Available on RuPay network for UPI merchant payments.
Things to Consider (Cons)
- Requires locking liquidity in an ICICI Bank Fixed Deposit.
- Fixed deposit cannot be liquidated while the credit card is active.
- Standard ₹500 fee applies unless spend threshold is met.
Who Can Apply for the ICICI Bank Coral Secured Credit Card (FD-Backed)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from ICICI Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About ICICI Bank Coral Secured Credit Card (FD-Backed)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the ICICI Bank Coral Secured Credit Card (FD-Backed)?
Check your pre-approved credit limit and instant approval eligibility across ICICI Bank with 100% paperless verification and zero score impact.