ICICI Bank Coral RuPay Credit Card
ICICI Bank
ICICI Bank Coral RuPay Credit Card
ICICI Bank
Annual Fee
₹500
Effective Rate
0.25%
Network
RUPAY
Point Value
₹0.25/pt
About ICICI Bank Coral RuPay Credit Card
2 RP/₹100 on all spends. RuPay network with UPI linking. Same lounge, BoGo and fuel waiver benefits as Coral. ₹2L personal accident insurance. 1% fuel waiver at HPCL.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹125 |
| All other spends | 2% | 200 pts≈ ₹50 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the ICICI Bank rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
1 complimentary domestic lounge visit per quarter via DreamFolks
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at HPCL petrol pumps
~₹2,500/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,50,000 (ANNUAL)
Annual Fee Waiver – ₹1.5L Spend: Annual fee of ₹500 waived on spending ₹1,50,000 or more in the card anniversary year.
Spend ₹2,00,000 (ANNUAL)
Milestone Bonus – 2,000 Reward Points at ₹2L Spend: Earn 2,000 bonus Reward Points on achieving cumulative annual spends of ₹2,00,000. Additional 1,000 points for every additional ₹1,00,000 spent, up to a maximum of 10,000 bonus points per anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | ₹500 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹3,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹3,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about ICICI Bank Coral RuPay Credit Card.
Ready to apply for ICICI Bank Coral RuPay Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
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