Would you recommend the ICICI Coral Credit Card? What’s your experience with it, and is it worth applying for?
I’ve used the ICICI Coral Credit Card for a while, and whether I’d recommend it really depends on your spending habits. If you’re someone who loves movies, especially PVR movies, this card is a no-brainer. The movie ticket rewards are a great perk—being able to earn free tickets or cashback just by spending on everyday purchases is a nice touch. Plus, the dining discounts at partner restaurants can save you a fair bit if you like eating out.
However, if you don’t really watch movies often or eat out at places that accept the dining benefits, you might not get the best value out of the card. The annual fee of ₹500+GST is standard for an entry-level card, but it could feel like a waste if you don’t use the perks regularly.
Also, compared to other entry-level cards like SBI SimplySave or HDFC Regalia, the Coral card does have movie-centric rewards, but it lacks lounge access, travel perks, or higher rewards for groceries and fuel. So, if you’re looking for broader benefits like travel rewards or better versatility across categories, you might find other cards more suitable.
In conclusion, if you’re a frequent moviegoer or like the idea of dining discounts, I’d recommend the ICICI Coral Credit Card. But, if you’re after a more well-rounded card that gives you rewards for different types of spending, you might want to look into alternatives.