An entry-level rewards card with lounge access and movie benefits
Complimentary domestic lounge visits
Up to 25% off on BookMyShow & INOX
2,000 points on ₹2 lakh spends
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| Benefit | Details |
|---|---|
| Reward Points | Earn 2 reward points per ₹100 on retail spends and 1 reward point per ₹100 on utilities and insurance. |
| Lounge Access | Get 1 complimentary domestic airport lounge visit per quarter and 4 complimentary railway lounge visit per quarter. |
| Movie Discounts | Enjoy up to 25% discount on movie tickets booked through BookMyShow and INOX |
| Milestone Benefits | Earn 2,000 reward points on annual spends of ₹2 lakh and 1,000 points for every additional ₹1 lakh spent. |
| Low Annual Fee | Annual fee of ₹500 + GST. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | ICICI Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / Movie Offers/ Travel/Dining Discounts |
| Type of Card | RuPay |
| Free or Paid | Paid: ₹500 +GST Annually |
The ICICI Bank Coral RuPay Credit Card is designed for individuals who are new to credit cards or looking for an entry-level option with practical benefits. This card offers a balanced mix of reward points, lounge access, and entertainment benefits, making it suitable for those who want to build their credit score whilst enjoying everyday perks. The RuPay network variant adds the convenience of UPI payments, allowing cardholders to link their card to popular UPI apps for seamless transactions.
UPI Integration: Link the card to UPI applications for contactless payments at merchant QR codes across India, offering enhanced convenience for everyday transactions.
Cash Withdrawals: Access cash from ATMs, though this facility attracts charges of 2.50% of the withdrawal amount or ₹300, whichever is higher.
Insurance Coverage: RuPay variant holders receive personal accident insurance cover worth ₹2 lakh, providing financial protection in case of unforeseen circumstances.
2 Reward Points: Earn 2 reward points for every ₹100 spent on retail purchases (excluding fuel transactions).
1 Reward Point: Accumulate 1 reward point for every ₹100 spent on utility bills and insurance premium payments.
Annual Spend of ₹2 Lakh: Receive 2,000 reward points as a milestone bonus.
Additional Spending: Earn 1,000 reward points for every additional ₹1 lakh spent after the initial ₹2 lakh threshold.
Annual Cap: Maximum milestone rewards are capped at 10,000 points per anniversary year.
Domestic Airport Lounge: Get 1 complimentary domestic airport lounge visit per calendar quarter.
Railway Lounge: Access 4 complimentary railway lounge visits per calendar quarter across select stations in India.
BookMyShow: Enjoy up to 25% discount on movie tickets, with savings of up to ₹100 per transaction, twice a month.
INOX: Get up to 25% off on movie tickets booked through INOX, with savings of up to ₹100 per transaction, twice a month.
Culinary Treats Programme: Access exclusive dining discounts at partner restaurants through ICICI Bank's Culinary Treats Programme, enhancing the dining experience whilst saving on bills.
1% Waiver: Get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 4000 or more per month on fuel at all HPLC petrol pumps.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹500 + GST | Charged every year. |
| Finance Charges | 3.75% per month (45% per annum) | Interest charged on unpaid balances after the due date. |
| Late Payment Charges | Variable | Less than ₹100: Nil; ₹100–₹500: ₹100; ₹501–₹5,000: ₹500; ₹5,001–₹10,000: ₹750; ₹10,001–₹25,000: ₹900; ₹25,001–₹50,000: ₹1,000; Above ₹50,000: ₹1,200 |
| Cash Withdrawal Fee | 2.50% or ₹300 (whichever is higher) | Charged on cash advances from ATMs. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years to Maximum 60 years |
Age (Self-Employed Individuals) | Minimum 21 years to Maximum 65 years |
Nationality | Indian national |
Other Criteria | Regular source of income, good credit score (750 or above recommended), valid PAN card, valid address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, or Voter's ID |
| Address Proof | Aadhaar Card, utility bills (electricity, water), bank statements, or any valid government-issued address proof |
| Income Proof | Last three months' salary slips, Income Tax Return (ITR), bank statements, or job card issued by NREGA (for applicable cases) |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your ICICI Bank Coral RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Link to UPI Apps | Connect the card to UPI apps for seamless QR-based payments and earn reward points on eligible UPI spends. |
Maximise Movie Savings | Book tickets via BookMyShow or INOX to enjoy up to 25% discount. |
Set Up Payment Reminders | Enable alerts and reminders for payments to avoid late fees and maintain a strong credit score. |
The ICICI Bank Coral RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.