ICICI Bank
Coral RuPay Credit Card
SimplifyCards take:A good fit if you want a card built for UPI, movies, and railway lounge
✓
Best for airport lounge accessBest for
4 complimentary lounge visits a year across domestic and international
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for UPI, movies, and railway loungeBottom line
It combines complimentary airport lounge access and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Other Retail Spends | 2 Reward Points / ₹100 spent |
| Utility & Insurance Spends | 1 Reward Point / ₹100 spent |
| Merchant UPI Spends | 2 Reward Points / ₹100 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.16666666666666666 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Air India Maharaja Club | 6:1 |
Important conditions
1
Domestic lounge4 visits per year
- Offers 1 complimentary domestic airport lounge access per quarter, subject to spending ₹75,000 in the preceding calendar quarter
- Offers 1 complimentary domestic railway lounge access per quarter (no spends criteria)
- One complimentary domestic railway lounge visit per quarter
2
Milestone2,000 reward points on spending ₹2,00,000 and 1,000 reward points each time ₹1,00,000 spend is crossed thereafter in an anniversary year, capped at 10,000 points per year
3
Fee waiverRenewal fee waived on annual spends of ₹ 1.5 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- One complimentary domestic railway lounge visit per quarter
- 25% discount on BookMyShow and INOX movie tickets, capped at ₹100 twice a month, subject to spending ₹25,000 in the preceding calendar quarter
- 1% fuel surcharge waiver on all fuel transactions of ₹400 to ₹4,000 at HPCL petrol pumps
Additional details
- A transaction fee of 1% applies to utility payments exceeding ₹50,000 per month
Eligibility
Check this before you apply
Salaried
- Age: 21 - 65 years
- Minimum monthly income: ₹20,000
Self-employed
- Age: 21 - 65 years
- Minimum monthly income: ₹20,000
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- Tax payments
- EMI transactions
Compare before you decide
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