The ICICI Coral Credit Card is a popular entry-level credit card offering a mix of rewards, discounts, and lounge access benefits. With the Rupay variant, it also provides additional perks like UPI-linked transactions. In this detailed review, we’ll explore its features, benefits, fees, and eligibility criteria.
✅ Joining & Annual Fee: ₹500 + GST (waived on spending ₹50,000 annually)
✅ Rewards: 2 PayBack points per ₹100 spent (4x on departmental stores, supermarkets)
✅ Welcome Benefit: 2,500 PayBack points (worth ₹500)
✅ Fuel Surcharge Waiver: 1% waiver (min. ₹400, max. ₹100 per month)
✅ Lounge Access: 2 complimentary visits per year (Domestic)
✅ Rupay Variant: UPI payments, additional offers
✅ Credit Limit: Starts from ₹50,000 (varies based on profile)
The Rupay version of the ICICI Coral Credit Card offers:
✔ UPI Payments: Link to UPI for easy transactions
✔ Lounge Access: Complimentary access to domestic lounges (check updated list)
✔ Contactless Payments: Secure tap-and-pay feature
✔ Exclusive Rupay Offers: Discounts on online & offline merchants
The card provides 2 free domestic lounge accesses per year (via DreamFolks). The ICICI Coral Rupay Credit Card Lounge Access List includes:
Delhi (DEL) – Plaza Premium Lounge
Mumbai (BOM) – Travel Club Lounge
Bangalore (BLR) – 080 Lounge
Hyderabad (HYD) – Plaza Premium Lounge
(Check latest list on DreamFolks or ICICI website)
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (waived on ₹50K spend) |
| Renewal Fee | ₹500 + GST |
| Late Payment Fee | Up to ₹1,100 |
| Cash Advance Fee | 2.5% (min. ₹300) |
Online: Via ICICI Bank’s official website
Offline: Visit nearest ICICI branch
Eligibility: Salaried (₹20K+ monthly income) or self-employed
The ICICI Coral Credit Card is a good choice for beginners looking for lounge access, UPI payments (Rupay), and basic rewards. However, if you want higher rewards, consider premium cards like ICICI Amazon Pay or Sapphiro.The ICICI Coral Credit Card is a good choice for beginners looking for lounge access, UPI payments (Rupay), and basic rewards. However, if you want higher rewards, consider premium cards like ICICI Amazon Pay or Sapphiro.
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (waived if you spend ₹50,000 or more in a year)
Late Payment Fee: Up to ₹1,100
UPI payments (link to BHIM, PhonePe, Google Pay, etc.)
Contactless transactions (tap & pay)
Additional Rupay offers on shopping & dining
Spend ₹50,000 or more in a year, and the annual fee will be reversed.
2 PayBack points per ₹100 spent (4x points on supermarkets & departmental stores)
Welcome benefit: 2,500 PayBack points (worth ₹500)
