ICICI Coral RuPay Card: Lounge Access and Reward Points Simplified in 2025

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Eligibility Criteria

18-60

Minimum & Maximum Age Criteria

18,000

Minimum monthly income

750

Minimum Credit Score

Category

, ,

Minimum Credit Score Required

750

Annual Charges

500/-

Features

  • Free airport lounge access
  • Earn reward points on spends
  • Movie & dining discounts

Welcome Offer

  • Complimentary lounge access on 1st transaction
  • Exclusive discounts via RuPay offers

The ICICI Bank Coral Credit Card is more than just a payment tool—it’s your gateway to a world of exclusive rewards. Redeeming your reward points is simple, giving you access to a wide range of exciting options. From movie tickets and travel vouchers to a variety of lifestyle products, your points can be used for a range of luxurious experiences and items. Whether you want to upgrade your gadgets, purchase home appliances, or enjoy leisure activities, the ICICI Bank Coral Credit Card turns every purchase into an opportunity to unlock valuable rewards. Shopping is no longer just about spending; it’s a chance to earn and redeem for things that enhance your lifestyle.

Written By:

Hasnain Memon

Last Updated:

April 23, 2025

Key Features

  1. Welcome Benefits:
    • Enjoy 2,000 bonus reward points upon activation of the card.
  2. Reward Points:
    • Earn 2 reward points for every Rs. 100 spent on the card.
    • Earn 4 reward points on dining, groceries, and movie ticket purchases.
  3. Dining Benefits:
    • Get 1+1 free meals at participating restaurants across India, including top dining chains.
  4. Fuel Surcharge Waiver:
    • Save up to 1% on fuel surcharge at all fuel stations across the country.
  5. Movie Benefits:
    • Enjoy 10% cashback on movie ticket bookings made through select portals (like BookMyShow).
  6. Travel Benefits:
    • Get discounts on flight bookings, hotel stays, and more.
  7. Annual Fee Waiver:
    • Spend a minimum of Rs. 1,50,000 in a year to get the annual fee waived off for the next year.
  8. Cash Withdrawal:
    • Use your credit card for emergency cash withdrawals at ATMs with competitive charges.
  9. Insurance Cover:
    • The card offers accidental death insurance and air accident insurance for added protection.

Fees And Charges

Fee/Charge Amount
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST (waived if annual spends exceed ₹1,50,000)
Finance Charges (Interest Rate) 3.40% per month (40.80% per annum)
Cash Advance Fee 2.5% of the transaction amount (minimum ₹300)
Late Payment Charges – Nil for amounts up to ₹100
– ₹100 for amounts between ₹101 and ₹500
– ₹500 for amounts between ₹501 and ₹10,000
– ₹750 for amounts above ₹10,000
Overlimit Fee 2.5% of the overlimit amount (minimum ₹500)
Returned Payment Charge ₹500
Fuel Surcharge Waiver 1% on fuel transactions at HPCL pumps (maximum ₹4,000 per transaction)

Pro and Cons:

Pros:

  • Great rewards on dining, groceries, and movies.
  • 1+1 free meal offers at top restaurants.
  • Attractive insurance covers like accidental death insurance.
  • Fuel surcharge waiver at select fuel stations.
  • Annual fee waiver with a minimum spend.

Cons:

  • High interest rate on outstanding balances (if not paid on time).
  • Some benefits may be limited to specific merchants or portals.
  • Annual fee is charged unless the minimum spending requirement is met.

How To Apply

Online Application:

  1. Visit the official ICICI Bank website and navigate to the credit card section.
  2. Select the Coral RuPay Credit Card.
  3. Fill out the online application form with your personal and financial details.
  4. Submit your application and supporting documents.:
  5. Visit an ICICI Bank branch near you.

Offline Application:

  1. Fill out the application form and submit the required documents.
  2. The bank will process your application, and you’ll be notified about the approval status.

Additional Information

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  1. What is the reward point system for ICICI Bank Coral RuPay Credit Card?
    • You earn 2 reward points for every Rs. 100 spent on the card and 4 points on specific categories like dining, groceries, and movies.
  2. How can I redeem my reward points?
    • You can redeem your points for various options like shopping vouchers, air miles, or cashback. Visit the ICICI Bank rewards portal to check redemption options.
  3. How can I waive the annual fee?
    • The annual fee can be waived if you spend over Rs. 1,50,000 in the previous year.
  4. Can I use the ICICI Bank Coral RuPay Credit Card for online shopping?
    • Yes, the ICICI Bank Coral RuPay Credit Card can be used for online shopping, including e-commerce websites and mobile apps.
  5. Is there any fuel surcharge benefit?
    • Yes, you can get up to 1% fuel surcharge waiver at select fuel stations.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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