ICICI Coral RuPay Credit Card

ICICI Bank offers multiple credit card options to its customers and one such card is ICICI Coral RuPay credit card which is an entry level card that enables users to build their credit score. The card offers reward points in multiple categories, such as gadgets, lifestyle, travel and many more. The card also provides insurance coverage of Rs.2 lakh, discounts on BookMySHow and INOX, and complimentary airport and railway lounge access per quarter. Read on to know more details about ICICI Coral RuPay credit card.

Features and Benefits of ICICI Coral RuPay Credit Card

The features and benefits offered by the ICICI Coral RuPay Credit Card are as follows:

  1. Reward points: You can earn two reward points on every Rs. 100 spent through the ICICI Coral RuPay Credit Card (except on fuel). Moreover, you will also earn one reward point for every Rs.100 spent on insurance and utilities categories.
  2. Milestone benefits: Earn 2,000 bonus reward points on an annual spend of ₹2 Lakh and 1000 bonus Reward Points for every additional Rs.1 Lakh spent, up to a maximum of 10,000 bonus points per anniversary year.  
  3. Travel benefits: The card offers one complimentary visit per quarter to select domestic airport lounges and 4 complimentary railway lounge visits in India.   
  4. Movie discounts: This card offers discounts of 25% (upto Rs. 100) on movie tickets purchased from BookMyShow and INOX twice a month.  
  5. Fuel surcharge waiver: You can receive 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4000 at all HPLC petrol pumps. 
  6. UPI linking: This card allows easy linking with UPI applications with cashbacks on select UPI transactions. 
  7. Dining discounts: You can avail attractive discounts under ICICI Bank Culinary Treats Programme.
  8. Accident cover: You can have access to a personal accident insurance cover of Rs. 2 lakh with this card. 

Fees and Charges of ICICI RuPay Coral Credit Card

The fees and charges of ICICI RuPay Coral credit card are as follows:

Type of fee

Fee amount

Joining Fee

Rs. 500 plus GST

Annual Fee

Rs. 500 plus GST

Finance Charges

3.75% per month | 45% per annum

Late Payment Charges

For outstanding amount:

Less than Rs. 100: Nil

Rs. 100 to Rs. 500: Rs. 100

Rs. 501 to Rs. 5,000: Rs. 500

Rs. 5,001 to Rs. 10,000: Rs. 750

Rs. 10,001 to Rs. 25,000: Rs. 900

Rs. 25,001 to Rs. 50,000: Rs. 1,000

More than Rs. 50,000: Rs. 1,200

Note: The Coral RuPay credit card is available as a lifetime free option for current ICICI Bank customers who already hold an active credit card from the bank.

Savings on Spending Using ICICI Coral RuPay Credit Card

Details regarding savings on spending made using ICICI Coral RuPay credit card are given in the table below:

On-going benefits and savings on yearly spends of Rs.3.60 lakh

Savings

25% discount on movie tickets with BookMyShow and Inox*

Rs.2,400

Cash rewards on annual spend of Rs 3,00,000#

Rs.1,400

Milestone rewards on a spend of Rs.3 lakh

Rs.750

Access to Airport Lounge

Rs.4,000

On spending Rs.5,000 every month on fuel, a fuel surcharge waiver of 1.00% is offered by the card.

Rs.600

Complimentary access to Railway Lounge in India

Rs.2,000

Total Savings

Rs.11,150

Documents Required for ICICI RuPay Coral Credit Card

The below mentioned documents are required to apply for ICICI RuPay Coral Credit Card:

  1. Identity proof: Aadhaar card, PAN card, Passport, Voter’s ID
  1. Address proof: Water bill, Electricity bill, or any other utility bill
  2. Income proof: Last three month’s salary slips, Job card issued by NREGA, bank statements

Eligibility Criteria to Apply for Coral RuPay Credit Card?

Here are the eligibility criteria to apply for a ICICI Coral RuPay Credit Card:

Criteria

Eligibility

Age

Anyone over 21.

Nationality

Indian national

Annual income

Salaried individual - Rs. 20,000 per month

Self - employed individual - Rs. 2,40,000 per month. Eligibility for credit card and credit limit depends on the annual income of the applicant 

Here are the steps to link the ICICI Coral RuPay credit card to the iMobile Pay application:

  1. Step 1: Log into the iMobile Pay application.
  2. Step 2: Navigate to the ‘UPI Payments’ option and then select ‘Manage’ and ‘My Profile’. 
  3. Step 3: Choose 'Create New UPI ID'.
  4. Step 4: As the payment method, opt for 'RuPay Credit Card'.
  5. Step 5: Select the UPI ID you wish to link.
  6. Step 6: Proceed to review the transaction details.
  7. Step 7: Click on 'Confirm' to complete the transaction, after verifying the details.

How to Apply for an ICICI Coral RuPay Credit Card?

Here are the details about how to apply for ICICI Coral RuPay credit card:

  1. Step 1: Verify your eligibility: Check whether you are eligible for ICICI Coral RuPay credit card or not as per the criteria given.
  2. Step 2: Collect your documents: Gather all the necessary documents once your eligibility is confirmed, such as.
  • Identification and address proof such as PAN card and Aadhar.
  • Income details.
  • Other additional documents as specified on the website.
  1. Step 3: Apply for the card: Log into the iMobile Pay application using your credentials or log into your ICICI Bank Internet Banking website to apply for the ICICI Coral RuPay credit card.
  2. Customers can also apply for the card offline by visiting the bank and submitting the duly filled application form along with required documents.

FAQs on ICICI Coral RuPay Credit Card

  • Is it safe to make transactions using ICICI Coral RuPay credit card?

    Yes, it is safe to make transactions using ICICI RuPay Coral credit card.

  • What are the charges on withdrawing cash using ICICI RuPay Coral credit card?

    A 2.50% is charged by ICICI bank on the advanced amount or a minimum of Rs. 300 (whichever is higher) as credit card cash withdrawal charges.

  • What should I do in case I have lost my ICICI bank credit card?

    In case of lost or stolen credit card, you should report it immediately to ICICI bank customer care.

  • What is the movie offer on ICICI coral credit card?

    You can get 2 movie tickets per month across BookMyShow and Inox with this credit card.

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