Icici Coral Rupay Credit Card Review 2023
Not every card possesses the ability to elevate your lifestyle while also offering exceptional rewards. This upgrade encompasses a range of activities, from leisure shopping to indulging in extravagant experiences. Refrain from settling; the time has come for you to select the lifestyle you rightfully deserve.
In collaboration, ICICI Bank and Rupay present the ultimate solution – introducing the ICICI Bank Coral Rupay Credit Card. Crafted for the perpetual traveler, this premium card is brimming with a myriad of meticulously chosen features and advantages tailored to harmonize with your distinct needs and preferences.
This card empowers you to navigate through life unhindered, earning reward points with each usage, accessing exclusive premium perks, indulging in captivating entertainment offers, and benefiting from provisions that prioritize your convenience, security, and rewards.
The ICICI Bank Coral Rupay Credit Card encapsulates all of this luxury and more. Embrace a life without limitations – apply for yours today and seize the opportunity to embrace it all.
Coral RuPay Credit Card
Experience the abundance of advantages with your ICICI Bank Coral RuPay Credit Card, now fortified by the secure and homegrown RuPay payment network. Select your card today and relish in the perks!
Your ICICI Bank Coral RuPay Credit Card opens the door to accumulating Reward Points with every transaction. Through ICICI Bank Rewards, a world of enticing rewards awaits, stemming from your day-to-day expenditures.
Choose the Coral RuPay Credit Card for Variety, Discounts & Leisure
Card Features and Benefits
- Earn 2 Reward Points for every ₹100 spent on your card (excluding fuel)
- Earn 1 Reward Point for every ₹100 spent on utilities and insurance categories
- Enjoy 1 complimentary access per quarter to select airport lounges in India
- Experience the all-new feature of a complimentary domestic railway lounge visit
- Avail a 25% discount, up to ₹100, on BookMyShow and INOX
- Receive a Personal Accident Insurance cover of ₹2 lakh
- Access 24x7 concierge services
Indulge in exclusive dining offers through the ICICI Bank Culinary Treats Programme
Introducing the new ICICI Bank Milestone Rewards Programme: Get 2000 Reward Points on spending ₹2,00,000 on your card, and earn 1,000 Reward Points each time you exceed ₹1,00,000 spend thereafter in an anniversary year, up to a maximum of 10,000 Reward Points per year
Coral-RuPay Fees
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST from the 2nd year onwards – waived off if you spend over ₹1,50,000 in the previous year
- Note: Annual spending is calculated from the date of card issuance. For instance, if the card is issued on 07-07-2023, the year will be considered as 07-07-2023 to 06-07-2024
Other Charges
For additional charges, please refer to the Most Important Terms & Conditions (MITC)
Savings on Your Spends:
Discover how your ICICI Bank Coral RuPay Credit Card can lead to annual savings of ₹11,150.
- On-going benefits & savings on yearly spends of ₹3,60,000
- Savings (in ₹)
- 25% discount on movie tickets with BookMyShow and Inox* 2,400
- Cash rewards on annual spend of ₹3,00,000# 1,400
- Milestone rewards on a spend of ₹3,00,000 750
- Access to Airport Lounge$ 4,000
- 1% fuel surcharge waiver on ₹5,000 monthly fuel spend@ 600
- Complimentary access to Railway Lounge in India% 2,000
- Total Savings 11,150
Assumes the cardholder will avail the offer twice per month with a total ticket cost of ₹400 per transaction. Discount cap is ₹100 per transaction. Actual ticket prices may vary by theater.
#Assumes 10% of total spending is on utilities and insurance, earning 1 Reward Point per ₹100 spent in these categories.
$Based on visiting 1 RuPay affiliated Airport Lounge per quarter.
@1% fuel surcharge waiver applies to transactions above ₹400 and up to ₹4,000, with a maximum monthly cap of ₹250 at all HPCL petrol pumps.
Based on visiting affiliated railway lounges once per quarter.
Disclaimer: The chart above is for illustrative purposes only and serves as an indication. Benefits, rewards, and savings are subject to ICICI Bank's and RuPay's terms and conditions, policies, and applicable laws.
Actual benefits/savings/rewards will be based on total Credit Card spends and spending in various reward categories. Cardholders are advised to independently analyze and assess this information. ICICI Bank and RuPay shall only provide benefits, offers, reward points, etc. at partnered establishments.
The information provided is not an offer, sponsorship, or advice regarding any product or service of ICICI Bank, its group companies, or third parties. ICICI Bank bears no liability for the accuracy or completeness of the content. Cardholders are responsible for resolving disputes with third parties directly, without involving ICICI Bank.
Closing Remarks
While ICICI Bank holds the position of being the second-largest private bank in India, its presence in the credit cards market falls behind. This is evident when assessing their credit card lineup. Even the co-branded Amazon Pay credit card outperforms the Coral card in terms of rewards.
If your intention is to acquire the Coral card by paying a fee, it's advisable to reconsider. There are considerably more attractive card options available in the market. However, if you're able to secure this card without an annual fee, it could be worth considering to capitalize on the cashback opportunities presented during sales on platforms like Flipkart or Amazon.
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THANK YOU SO MUCH
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