Seamless RuPay UPI Payments — 2X Rewards on Merchant UPI, Airport Lounges & Movies
Daily digital spenders, UPI power users, and frequent travelers seeking an established bank credit card for mobile QR code merchant payments.
₹500
One-time upfront₹500
Waived on ₹1.5 lakh annual spendStandard Points
On eligible spends1 Domestic visits/quarter · ₹75k quarterly spend required
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank Coral RuPay Credit Card is an essential everyday financial instrument that blends ICICI Bank's proven Coral rewards ecosystem with the modern convenience of the National Payments Corporation of India's (NPCI) RuPay credit-on-UPI framework. Priced at an **annual fee of ₹500 + GST** (waived on spending ₹1,50,000 annually), the card links seamlessly with leading UPI applications—including Google Pay, PhonePe, Paytm, and BHIM—allowing cardholders to pay local merchants simply by scanning QR codes on their smartphones. The reward structure is optimized for high-frequency daily retail: cardholders earn **2 ICICI Reward Points per ₹100 spent** on all regular retail and merchant UPI transactions (where 1 point = ₹0.25, delivering a baseline 0.50% value back). For recurring utility bills and insurance premiums, the card earns 1 Reward Point per ₹100 spent. Unlike standalone virtual cards, the Coral RuPay card is backed by physical card privileges. Travel and entertainment benefits are remarkably complete for an entry-level card: cardholders receive **1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year)** upon spending ₹35,000 in the previous calendar quarter, alongside **1 complimentary domestic railway lounge visit per quarter** without spend hurdles. Movie enthusiasts also enjoy a 25% discount on BookMyShow and INOX (up to ₹100 per transaction, twice a month). For cardholders seeking a dependable, all-in-one RuPay UPI card with airport lounge privileges, ICICI Coral RuPay is a premier choice.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI & Merchant Retail Spends | 2 Reward Points per ₹100 spent on UPI and merchant POS (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Utilities & Insurance | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI & Merchant Retail Spends | ₹6,000 | 2 Reward Points per ₹100 spent on UPI and merchant POS (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Utilities & Insurance | ₹6,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 2,000 bonus Reward Points (worth Rs 500) on spending Rs 2,00,000 in an anniversary year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹500 + GST (Welcome benefit of 1,000 bonus reward points upon fee payment). • Annual Renewal Fee: ₹500 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹1,50,000 in the preceding anniversary year. • RuPay UPI Compatibility: Linkable to Google Pay, PhonePe, Paytm, and BHIM for seamless merchant QR code scan-and-pay transactions. • UPI & Retail Rewards: 2 ICICI Reward Points per ₹100 spent on merchant UPI payments and retail transactions (0.50% value back). • Utilities & Insurance: 1 ICICI Reward Point per ₹100 spent on utility bills and insurance premium payments. • Domestic Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (spend hurdle of ₹35,000 in previous quarter). • Railway Lounge Access: 1 complimentary domestic railway lounge visit per calendar quarter at participating railway stations. • Entertainment Privileges: 25% discount on movie tickets on BookMyShow and INOX (up to ₹100 per transaction, valid twice per month). • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000. • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank Coral RuPay Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official ICICI Bank portal with paperless verification.
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