ICICI Bank
ICICI Bank Coral RuPay Credit Card
RuPay-network Coral card with UPI linking, domestic acceptance, and Payback rewards
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Domestic-only spender
- UPI credit-line user
- RuPay-network customer
- Tier-up from a debit card
-
What we like
- RuPay UPI credit-line linking for QR and online payments
- Same Coral reward and milestone structure at the same fee
- Domestic-only acceptance keeps spend geography simple
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Watch out for
- Domestic-only: cannot be used for international transactions
- ₹600 late-payment fee at the highest slab
- Spend threshold of ₹1.5 lakh/year to waive annual fee
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹2,40,000
Forex markup
Not published
Lounge access
Domestic only
Eligibility
₹2.40 lakh/yr · CIBIL 700+
Reward cap
Not explicitly stated
Welcome benefit
2,000 Payback Points on ₹2,00,000 annual spend + 1,000 Payback Points for every additional ₹1,00,000 spend (up to 10,00…
ICICI Bank Coral RuPay Credit Card review: RuPay-network variant of the Coral card with UPI credit-line linking, domestic-only acceptance, Payback rewards on retail spend, and milestone vouchers.
Who is this for
- Domestic-only spender
- UPI credit-line user
- RuPay-network customer
- Tier-up from a debit card
What we like
- RuPay UPI credit-line linking for QR and online payments
- Same Coral reward and milestone structure at the same fee
- Domestic-only acceptance keeps spend geography simple
Watch out for
- Domestic-only: cannot be used for international transactions
- ₹600 late-payment fee at the highest slab
- Spend threshold of ₹1.5 lakh/year to waive annual fee
Issuer
ICICI Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹1,50,000 |
| Late payment | ₹600 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| DINING | 2 Payback Points per ₹100 on dining and entertainment | Not explicitly stated | 1 Payback Point ≈ ₹0.25; redeemable via the ICICI rewards portal across categories |
| All spends | 2 Payback Points per ₹100 on retail spend; 1 Payback Point per ₹100 on utility & insurance | Not explicitly stated | 1 Payback Point ≈ ₹0.25; redeemable via the ICICI rewards portal |
| SHOPPING | 2.00 | — | 0.25 |
Benefits
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RuPay UPI Credit Linking Highlight
Link the card to a RuPay UPI handle and pay via UPI from the card's credit line at domestic merchants.
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Domestic-Only Acceptance Highlight
Accepted at all RuPay and partner domestic merchants — note this card cannot be used internationally.
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Payback Rewards
2 Payback Points per ₹100 on retail spend; redeemable across the ICICI rewards catalogue.
-
Milestone Vouchers
2,000 Payback Points on ₹2,00,000 annual spend + 1,000 Payback Points for every additional ₹1,00,000 spend (up to 10,000 Payback Points per year).
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Domestic Lounge Access
1 complimentary domestic airport lounge visit per quarter.
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Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹4,000.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,40,000
- Min. credit score
- 700+
- Score note
- Decent credit score required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
ICICI Bank Coral RuPay Credit Card is the RuPay-network variant of the standard Coral card. It targets domestic-only spenders who want RuPay UPI credit-line linking and the same Coral reward structure at the standard Coral fee.
Fees and rewards
- Joining fee: ₹500 (non-waiver)
- Annual fee: ₹500, waived on annual spends ≥ ₹1,50,000
- Rewards: 2 Payback Points per ₹100 on retail spend; 1 Payback Point per ₹100 on utility & insurance
- Forex markup: N/A — domestic-only acceptance
RuPay and milestone benefits
- Link the card to a RuPay UPI handle and pay via UPI from the credit line
- Domestic-only acceptance at all RuPay and partner merchants
- 2,000 Payback Points on ₹2,00,000 annual spend + 1,000 Payback Points per additional ₹1,00,000 (max 10,000/year)
- 1 complimentary domestic lounge visit per quarter
Eligibility
Minimum annual income ₹ 2,40,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules and the Coral RuPay card-specific terms. Last reviewed 2026-09-26.
Step-by-step application guide: Read the ICICI Bank Coral RuPay Credit Card apply walkthrough →
Apply for ICICI Bank Coral RuPay Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the ICICI Bank Coral RuPay Credit Card worth it?
What is the annual fee for the ICICI Bank Coral RuPay Credit Card?
How does the ICICI Bank Coral RuPay Credit Card reward rate work?
What are the eligibility requirements for the ICICI Bank Coral RuPay Credit Card?
Does the ICICI Bank Coral RuPay Credit Card offer airport lounge access?
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