आईसीआईसीआई कोरल कॉन्टैक्टलेस क्रेडिट कार्ड (रुपे)
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Flagship RuPay credit card linkable to UPI apps for merchant QR payments, 25% off BookMyShow tickets, and airport & railway lounge access.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Coral Contactless Credit Card (RuPay) is ICICI Bank's flagship RuPay credit card engineered for the UPI era. It allows cardholders to link their credit card directly to UPI apps (Google Pay, PhonePe, Paytm, BHIM) to make instant merchant QR code payments on credit while earning reward points, 25% off on BookMyShow, and domestic airport lounge access.
Bonus ICICI Reward Points credited upon fee payment and first UPI scan-and-pay transaction.
1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter. 1 complimentary domestic railway lounge visit per quarter.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.
Seamless UPI linkage on Google Pay, PhonePe, Paytm, and iMobile Pay for scan-and-pay transactions at any merchant QR code. 25% discount on BookMyShow/INOX tickets twice a month.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Peer-to-peer (P2P) transfers to personal bank accounts over UPI are not permitted under RBI guidelines. Domestic lounge access requires spending ₹35,000 in the preceding quarter. Base reward rate is 0.50%.
🚀आवेदन के चरण (How to Apply)
Step 1: Open iMobile Pay app or visit icicibank.com/coral-rupay. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select ICICI Coral RuPay Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Virtual card generated instantly for UPI linking; physical contactless card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Coral Contactless Credit Card (RuPay)?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Coral Contactless Credit Card (RuPay) into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Coral Contactless Credit Card (RuPay)?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 ICICI Reward Point = ₹0.25 (4 Reward Points = ₹1.00) redeemable against catalog merchandise, shopping vouchers, or statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on ICICI Coral Contactless Credit Card (RuPay) and how does it work?
The interest-free period on ICICI Coral Contactless Credit Card (RuPay) is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.