ICICI BankCoral RuPay
RuPay
ICICI Bank · RuPay
Coral RuPay
Joining ₹500 · Annual ₹500 · Waived on ₹1.5 lakh+ spend in the card year (rent, government and education spends don't count)
Fee break-even: ≈₹1,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward Points · assumed 0.25 ₹/point. 1 RP = ₹0.25 via vouchers/catalogue or statement credit. ₹99 + GST redemption fee dilutes small redemptions
Verified 7 Aug 2026Forex markup3.5%
GolfNone
ConciergeNone
International loungeNone
EMI2.99% capped at ₹299 plus GST at a merchant, up to 2% converting a billed balance processing fee · 2.99% of the purchase capped at ₹299 plus GST, so anything above roughly ₹10,000 costs the full ₹299. On No Extra Cost EMI at selected brands the merchant absorbs the interest but this fee still stands. Fuel, gold, jewellery, gambling and cash cannot be converted.
Fuel surcharge1% at HPCL pumps only, on ₹400 to ₹4,000 transactions
Domestic lounge4 a year. 1 visit/quarter, unlocked by ₹75,000 spend in the previous calendar quarter
Milestones
- ◆ Spend ₹2,00,000 per year → 2,000 bonus Reward Points (≈₹500) at ₹2L annual spend Worth ₹500
- ◆ Spend ₹3,00,000 per year → 1,000 bonus RP per additional ₹1L beyond ₹2L, capped at 10,000 bonus points/year Worth ₹250
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.5% | Base rate |
| Amazon | 0.5% | Base rate |
| Flipkart | 0.5% | Base rate |
| Subscriptions & OTT | 0.5% | Base rate |
| Offline spend | 0.5% | Base rate |
| UPI spending | 0.5% | Pay any UPI QR with the card. UPI spends earn the regular 2 RP/₹100. Community reports note patchy crediting on small transactions. |
| Dining | 0.5% | Base rate |
| Swiggy | 0.5% | Base rate |
| Zomato | 0.5% | Base rate |
| Groceries | 0.5% | Grocery earning capped at ₹20,000 spend/month · Base rate but with a monthly earning cap |
| Quick commerce | 0.5% | Uses its groceries rate |
| Swiggy Instamart | 0.5% | Base rate |
| Blinkit | 0.5% | Base rate |
| BigBasket | 0.5% | Uses its groceries rate |
| Movies & shows | 0.5% | Base rate |
| BookMyShow | 0.5% | Base rate |
| PVR INOX | 0.5% | Base rate |
| Fuel | 0% | No reward points on fuel. Only HPCL surcharge waiver. 1% fee on fuel spends above ₹10,000/month |
| Travel (general) | 0.5% | Base rate |
| Flights | 0.5% | Base rate |
| Hotels | 0.5% | Base rate |
| MakeMyTrip | 0.5% | Base rate |
| IRCTC rail | 0.5% | Base rate |
| International | −3% | 0.5% reward − 3.5% forex markup |
| Utilities & bills | 0.25% | Utility + insurance earning capped around ₹40,000/cycle. Separate 1% fee on utility spends above ₹50,000/month · 1 RP per ₹100 on utilities and insurance |
| Rent | 0% | No reward points on rent |
| Education fees | 0.5% | Base rate |
| Insurance premiums | 0.5% | Base rate |
| Government & tax | 0% | No reward points on government/tax payments |
| Wallet loads | 0% | Wallet loads earn nothing. 1% fee on loads of ₹5,000+ |
| Anything else | 0.5% | Base rate |
| Jewellery | 0.5% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- RuPay + UPI: pay any UPI QR with this card. UPI spends earn the regular 2 RP/₹100 (community reports note patchy crediting on small transactions)
- 1 railway lounge visit/quarter (no spend condition)
- BookMyShow/INOX: 25% off up to ₹100, twice a month. Needs ₹25,000 previous-quarter spend (not a BOGO. That's Sapphiro-tier)
- Culinary Treats: 15%+ off at 2,500+ partner restaurants
- ₹2 lakh personal accident cover (RuPay variant exclusive)
- ₹99 + GST reward redemption fee
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 7 Aug 2026.