ICICI Bank

RuPay

Coral RuPay

ICICI Bank Coral RuPay

ICICI Coral RuPay for first-timers: ₹500 annual fee waived at ₹1.5 lakh spend, plus UPI linking with cashback, 24x7 concierge, and ₹2 lakh personal accident cover.

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Also available on Visa

ICICI Bank Coral RuPay is issued on more than one network — each has different rewards and lounge access.

ICICI Bank
VISA
Coral
Visa variant
The RuPay sibling adds concierge services and a ₹2 lakh personal accident cover, and is the only variant that supports UPI linking.

Last reviewed 15 July 2026

Fees

Joining fee

₹500

Annual fee

₹500

Waiver: First year fee waived; renewal fee waived on annual spend of ₹1,50,000 or more (rent, government and education payments excluded from the qualifying spend)

Eligibility

Min. monthly income: ₹20,000

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

all other2x points

Welcome benefits

• First year annual fee waived, plus complimentary ICICI Bank Culinary Treats Programme dining membership

Perks

✓Domestic lounge access: 4/yr1 complimentary domestic airport lounge visit per quarter, unlocked by ₹75,000 spend in the preceding quarter, plus 1 railway lounge visit per quarter (railway visits have no spend condition). Some older aggregator listings still cite a ₹35,000 threshold; ₹75,000/quarter is the figure corroborated by the most recently updated 2026 sources and applies identically to the Visa variant.
✓Fuel surcharge waiver: 1%Capped at ₹250/month
✓Forex markup: 3.5%
✓Concierge service
✓Personal accident cover: ₹2 lakh (RuPay-exclusive benefit, confirmed on ICICI Bank's own Coral RuPay page and by independent aggregators)
✓Milestone bonus: 2,000 points on ₹2 lakh annual spend, plus 1,000 points per additional ₹1 lakh (up to 10,000 points/year)
✓24x7 dedicated concierge services (RuPay-exclusive; not offered on the Visa sibling)
✓UPI linking via iMobile Pay: scan-and-pay at any UPI QR merchant, up to 50 days of interest-free credit on UPI spends, with cashback on select UPI transactions; UPI transaction limit is capped at ₹5,000/day for the first 24 hours after linking, before rising to standard card limits

Common questions

What is the annual fee on the ICICI Bank Coral RuPay?: The joining fee is ₹500. The annual fee is ₹500. First year fee waived; renewal fee waived on annual spend of ₹1,50,000 or more (rent, government and education payments excluded from the qualifying spend)
What are the reward rates on the ICICI Bank Coral RuPay?: ICICI Bank Coral RuPay earns 2x points on all other spends.
Does the ICICI Bank Coral RuPay offer airport lounge access?: Yes: 4 domestic lounge visits per year (1 complimentary domestic airport lounge visit per quarter, unlocked by ₹75,000 spend in the preceding quarter, plus 1 railway lounge visit per quarter (railway visits have no spend condition). Some older aggregator listings still cite a ₹35,000 threshold; ₹75,000/quarter is the figure corroborated by the most recently updated 2026 sources and applies identically to the Visa variant.).
Who is eligible for the ICICI Bank Coral RuPay?: Applicants typically need a minimum monthly income of ₹20,000, a minimum annual income of ₹3,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by ICICI Bank and can vary by application.
Is the ICICI Bank Coral RuPay available on other networks?: Yes, it's also issued on Visa. The RuPay sibling adds concierge services and a ₹2 lakh personal accident cover, and is the only variant that supports UPI linking.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Everything else

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Annual fee

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₹10,000

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Perks

✓Domestic lounge access: 4/yr1 complimentary domestic airport lounge visit per quarter, unlocked by ₹75,000 spend in the preceding quarter, plus 1 railway lounge visit per quarter (railway visits have no spend condition). Some older aggregator listings still cite a ₹35,000 threshold; ₹75,000/quarter is the figure corroborated by the most recently updated 2026 sources and applies identically to the Visa variant.

✓Fuel surcharge waiver: 1%Capped at ₹250/month

✓Forex markup: 3.5%

✓Concierge service

✓Personal accident cover: ₹2 lakh (RuPay-exclusive benefit, confirmed on ICICI Bank's own Coral RuPay page and by independent aggregators)

✓Milestone bonus: 2,000 points on ₹2 lakh annual spend, plus 1,000 points per additional ₹1 lakh (up to 10,000 points/year)

✓24x7 dedicated concierge services (RuPay-exclusive; not offered on the Visa sibling)

✓UPI linking via iMobile Pay: scan-and-pay at any UPI QR merchant, up to 50 days of interest-free credit on UPI spends, with cashback on select UPI transactions; UPI transaction limit is capped at ₹5,000/day for the first 24 hours after linking, before rising to standard card limits

Common questions

What is the annual fee on the ICICI Bank Coral RuPay?

The joining fee is ₹500. The annual fee is ₹500. First year fee waived; renewal fee waived on annual spend of ₹1,50,000 or more (rent, government and education payments excluded from the qualifying spend)

What are the reward rates on the ICICI Bank Coral RuPay?

ICICI Bank Coral RuPay earns 2x points on all other spends.

Does the ICICI Bank Coral RuPay offer airport lounge access?

Yes: 4 domestic lounge visits per year (1 complimentary domestic airport lounge visit per quarter, unlocked by ₹75,000 spend in the preceding quarter, plus 1 railway lounge visit per quarter (railway visits have no spend condition). Some older aggregator listings still cite a ₹35,000 threshold; ₹75,000/quarter is the figure corroborated by the most recently updated 2026 sources and applies identically to the Visa variant.).

Who is eligible for the ICICI Bank Coral RuPay?

Applicants typically need a minimum monthly income of ₹20,000, a minimum annual income of ₹3,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by ICICI Bank and can vary by application.

Is the ICICI Bank Coral RuPay available on other networks?

Yes, it's also issued on Visa. The RuPay sibling adds concierge services and a ₹2 lakh personal accident cover, and is the only variant that supports UPI linking.

ICICI Bank Coral RuPay

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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