ICICI Coral RuPay Credit Card

[Siddarth]

If you are looking for either a beginner or mid-range credit card, then the ICICI RuPay Credit Card is a good option. It comes with awesome benefits that really spice up your spending journey. It is an entry-level card used to build the credit score of customers.

Features & Benefits

1. Rewards Points

a) For every ₹100 you spend, you earn 2 rewards points at most retail stores.
b) For every ₹100 you spend on utilities and insurance categories, you earn 1 reward point.
c) By spending ₹2 lakhs, you will receive 2,000 rewards points for annual spends, and an additional 1,000 points for every extra ₹1 lakh spent.

You can redeem the points for various things like fashion, health, travel, shopping vouchers, and much more.

2. Travel Benefits

a) Offers complimentary access to 1 domestic airport lounge per quarter after spending a minimum of ₹75,000 in that quarter.
b) Provides access to 4 railway lounges per year.

3. Entertainment & Dining

a) There is a 25% discount on every movie ticket purchased from BookMyShow and INOX.
b) Through the DINE DELIGHTS program, you can save up to 15% at over 2,000 restaurants.

4. Fuel Benefits

A 1% fuel surcharge waiver on HPCL fuel spends between ₹400 and ₹4,000.

5. Other Benefits

a) 24x7 Concierge Services
b) Insurance coverage of up to ₹2 lakh
c) UPI linkage capability

Fees & Charges

a) There is a joining fee of ₹500 + taxes.
b) The annual fee is also ₹500 + taxes.
c) Late payment charges apply; it’s nil for amounts under ₹100 but increases with the outstanding balance.

Eligibility Criteria

a) Age should be between 21 and 65 years.
b) Minimum income of ₹20,000 for salaried individuals.
c) Minimum income of ₹2.4 lakhs per annum for self-employed individuals.

Documents Required

To obtain the credit card, the following documents are required:
a) Income proof, salary slips, ITR records.
b) Last bank statements
c) Valid ID proof
d) PAN card or Form 60.

How to Apply

You can apply either offline or online.
a) For Offline applications, go to your nearest ICICI Bank branch, fill out the form with all necessary details, and submit it along with the valid documents.

b) For Online applications, go to ICICI website , Go to Cards -> Credit Cards -> Find and click on “Coral Credit Card”-> Click on Apply Now and fill out the online application form with valid details, and then follow the instructions. Review and submit the application.

Final Thoughts

Overall, the ICICI Coral RuPay Credit Card is a flexible option that offers great perks for different types of spending, from utility bill rewards to travel and entertainment deals. With a good approval rate, it’s a fantastic choice, especially if you’re just starting out with credit cards from ICICI Bank!