ICICI

Coral RuPay Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — ₹500 annual fee.

Top reasons to choose this card

4 domestic lounge visits, spend-gated
₹1.5L fee waiver

What you'd do with it

Works when a ₹500 annual fee is acceptable for the accelerated earn rates.

Limited lounge access 4 railway lounge visits per year (max 1/quarter)
Supports UPI Supports UPI via RuPay network.

Suggested comparison Similar tier comparison Compare with Axis Bank IndiGo →

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Annual fee ₹500 per year

Forex markup 3.5% high

Lounge access 1 per quarter

Rewards / ₹100 2 pts up to · ₹100

The catch Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter. Domestic lounge cap is 4 visits per year.

Fee waiver available
Annual fee known
Forex markup known
1 per quarter domestic lounge
Airport lounge list may change

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹500 lower than 62 of 112 cards
Joining fee: ₹500
Forex markup: 3.5% the standard rate (matches 66 cards)
Lounge access: 1 per quarter domestic lounge
Reward rate: Up to 2 pts / ₹100

Good fit for

Supports UPI

Still worth it?

Evidence-backed snapshot

Good fit if

Annual fee is relatively low at ₹500.
Fee waiver applies at ₹1,50,000 annual spend.
Use this for utility insurance spends after checking excluded categories.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
1 per quarter domestic lounge
Airport lounge list may change
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 1 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 2 points per ₹100. Some reward rules exclude fuel spends. Still verify remaining caps and redemption rules.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Axis Bank IndiGo Similar tier comparison Best ICICI credit cards See how this card compares within ICICI. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.

Is this good for lounge access?

1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹1,50,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹1,50,000yearAnnual fee waiverreasonablestrong

Lounge access spend gate₹75,000quarterLounge eligibilityreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Reward reality

Point value · limits · exclusions

Verified value₹0.25 per pointCashback

Best verified laneUtility Insurance1 pt / ₹100

Exclusions/no-earnSome reward rules exclude fuel spends.

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend2 pts / ₹100——

Utility Insurance1 pt / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (2 pts / ₹100). ~1,000 pts/month. Partner/category bonuses not included.
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 1 per quarter · verified 6 Jul 2026 Condition: ₹75,000 spend in the previous calendar quarter

5 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Stable Money
ICICI official page
CardInsider
Operator-verified anchor
BankBazaar
Railway (cardholder): 4 railway lounge visits per year (max 1/quarter)

5 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Stable Money
ICICI official page
CardInsider
Operator-verified anchor
BankBazaar
International (cardholder): Not included International details not available.

5 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Stable Money
ICICI official page
CardInsider
Operator-verified anchor
BankBazaar
ICICI domestic airport lounge list: ICICI domestic airport lounge list
ICICI railway lounge programme: ICICI railway lounge programme

Rewards

Base earn: 2 pts / ₹100 value depends on redemption
Headline point value: ₹0.25 per Reward Point (Cashback) Issuer headline channel — full channel grid in Redemption value.

Redemption value

You earn: Reward Points
Cashback: ₹0.25 per Reward Point

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹500
Joining fee: ₹500
Fee waiver spend: ₹1,50,000 Below catalog median waiver (₹2,00,000 vs ₹1,50,000).
Interest-free period: Up to 48 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

2 sources agree · verify issuer terms before applying

Where to verify

ICICI official page
CardInsider
Issuer site (verify current terms) (opens in new tab)
Product tier: Mid-tier