ICICI Coral RuPay Credit Card
ICICI Bank · RuPay · Entry card
Reliable RuPay credit card for ICICI bank account holders wanting UPI payments and regular movie ticket discounts.
Moviegoers and existing ICICI account holders who want a RuPay card for merchant UPI payments.
Terms checked 21 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 0.5% |
| Offline store shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Online shopping | 0.5% |
| Travel & hotels | 0.5% |
| Subscriptions & streaming | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| International spending | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Approx. ₹20,000/month
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not specified
Requires ₹75,000 per Calendar quarter for the following calendar quarter
Spend condition: Airport lounge requires ₹75,000 eligible spend in the previous calendar quarter; the separate railway visit has no published spend condition
Movies and entertainment
BookMyShow · 25% discount · up to ₹100 · 2 uses/month
Requires ₹25,000 per Calendar quarter for the following calendar quarter.
Availability: BookMyShow or INOX, combined issuer allowance subject to inventory; minimum two tickets..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 2 items
Utility and insurance points
Usage-based value1 point per ₹100 applies to eligible utility and insurance payments.
Eligible retail points
Usage-based value2 points per ₹100 applies to eligible retail and merchant UPI spend; fuel earns no points.
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
Spend milestones · 9 items
2,000 points at ₹2 lakh
2,000 reward unitsUnlocked after ₹2,00,000 of eligible spending.
Conditions: Reach ₹2,00,000 per card anniversary year
Additional 1,000 points at ₹3 lakh
1,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Additional 1,000 points at ₹4 lakh
1,000 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per card anniversary year
Additional 1,000 points at ₹5 lakh
1,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Additional 1,000 points at ₹6 lakh
1,000 reward unitsUnlocked after ₹6,00,000 of eligible spending.
Conditions: Reach ₹6,00,000 per card anniversary year
Additional 1,000 points at ₹7 lakh
1,000 reward unitsUnlocked after ₹7,00,000 of eligible spending.
Conditions: Reach ₹7,00,000 per card anniversary year
Additional 1,000 points at ₹8 lakh
1,000 reward unitsUnlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
Additional 1,000 points at ₹9 lakh
1,000 reward unitsUnlocked after ₹9,00,000 of eligible spending.
Conditions: Reach ₹9,00,000 per card anniversary year
Additional 1,000 points at ₹10 lakh
1,000 reward unitsUnlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not specified.
Conditions: Spend ₹75,000 per calendar quarter
One complimentary railway lounge visit per calendar quarter
Shown without a cash value
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹2,40025% discount up to ₹100, 2 times per month. BookMyShow or INOX, combined issuer allowance subject to inventory; minimum two tickets.
Conditions: Spend ₹25,000 per calendar quarter
Dining · 1 item
Dining discounts through the ICICI Bank Culinary Treats programme
Shown without a cash value
Insurance and protection · 1 item
₹2 lakh personal accident cover on the RuPay variant under issuer conditions
Shown without a cash value
Fuel benefits · 2 items
1% fuel surcharge waiver at HPCL on eligible ₹400-₹4,000 transactions
Shown without a cash value1% fuel surcharge waiver at HPCL and personal accident cover on the RuPay variant
Shown without a cash value
Concierge · 2 items
24/7 concierge assistance
Shown without a cash value24/7 concierge assistance
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. The reviewed page publishes ₹2.4 lakh annual income for self-employed applicants and age 21-65; no universal salaried threshold is used.
Other benefits · 2 items
Linkable to UPI apps (Google Pay, PhonePe, Paytm) for merchant QR code scan payments
Shown without a cash valueStandard ICICI Bank seasonal sales discounts on Amazon & Flipkart
Shown without a cash value
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Linkable to UPI apps (Google Pay, PhonePe, Paytm) for merchant QR code scan payments
- ✓ 25% discount up to ₹100 on BookMyShow movie tickets twice a month
- ✓ One domestic airport lounge visit per quarter after ₹75,000 prior-quarter spend, plus one railway lounge visit per quarter
- ✓ 1% fuel surcharge waiver at HPCL and personal accident cover on the RuPay variant
- ✓ 24/7 concierge assistance
- ✓ Standard ICICI Bank seasonal sales discounts on Amazon & Flipkart
What to watch
Reward rate on base transactions is relatively low (0.5%); primarily useful for bank discounts and BookMyShow.
Recorded exclusions
Fuel Commute · Rent · Wallet load
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026 · Latest recorded change effective 1 Apr 2026