Get the Coral RuPay Credit Card for exclusive rewards, dining discounts, travel perks, and enhanced security. Apply now!
Table of Contents
Introduction
The Coral Rupay Credit Card is a premium financial product designed to enhance your lifestyle while providing unmatched savings and convenience. Issued by renowned financial institutions in collaboration with the Rupay payment network, this credit card is tailored for individuals who seek a perfect blend of exclusive benefits and everyday utility.
Whether you’re dining out, shopping online, or booking travel, the Coral Rupay Credit Card rewards you with cashback, discounts, and reward points. Its seamless integration with Rupay ensures broad acceptance across millions of merchants globally, while its unique offers cater to various spending needs.
What is the Coral Rupay Credit Card?
The Coral RuPay Credit Card is a credit card offered by ICICI Bank in collaboration with the National Payments Corporation of India (NPCI), leveraging the RuPay payment network. This card is part of ICICI Bank’s Coral series, designed to cater to a wide range of users by offering rewards, benefits, and financial convenience. Here’s an overview:
Key Features and Benefits
- Reward Points: Earn reward points on everyday transactions, such as dining, groceries, and utility bill payments.
- Dining Discounts: Enjoy discounts at partner restaurants through the ICICI Bank Culinary Treats program.
- Entertainment Offers: Avail of discounts on movie tickets and entertainment expenses.
- Fuel Surcharge Waiver: Get a waiver on fuel surcharge at select fuel stations in India.
- Contactless Payments: The card supports contactless technology for quick and secure transactions.
- RuPay Exclusives: Benefit from various offers and discounts under the RuPay network’s merchant partnerships.
- Affordable Fees: Generally, the Coral RuPay Credit Card has lower annual or joining fees compared to similar cards.
Key Features of the Coral RuPay Credit Card
Reward Points
Earn reward points for every purchase made, including spending on dining, groceries, and utility bill payments. These points can be redeemed for various products and services.
Dining Discounts
The Coral RuPay Credit Card offers exclusive discounts at partner restaurants under the ICICI Bank Culinary Treats program, helping you save on your dining experiences.
Entertainment Offers
Enjoy discounts on movie tickets, entertainment expenses, and other leisure activities through various tie-ups with entertainment platforms and providers.
Fuel Surcharge Waiver
Get a waiver on the fuel surcharge when filling up at select fuel stations across India, making your travel more affordable.
Contactless Payments
The card supports contactless payments, allowing for faster and more secure transactions, ensuring a smooth shopping experience.
RuPay Network Benefits
Take advantage of special offers and discounts available through the RuPay payment network at various merchant outlets, both online and offline.
Affordable Fees
The Coral RuPay Credit Card offers competitive annual fees and low joining costs, providing value for money while delivering various perks and benefits.
Benefits of Owning a Coral RuPay Credit Card
Earn Reward Points
With the Coral RuPay Credit Card, you can accumulate reward points for every purchase made. These points can be redeemed for a wide range of products, services, or even cashbacks, making it a valuable tool for regular spenders.
Enjoy Dining Discounts
Cardholders can avail exclusive discounts at partner restaurants through the ICICI Bank Culinary Treats program. This benefit enhances your dining experience while helping you save money.
Access Entertainment Offers
The card offers great discounts on movie tickets and entertainment-related expenses. You can enjoy various leisure activities at a lower cost, making it an ideal choice for entertainment lovers.
Fuel Surcharge Waiver
One of the significant advantages of owning a Coral RuPay Credit Card is the waiver on fuel surcharge at select fuel stations in India, making your travel more economical.
Seamless Contactless Payments
The Coral RuPay Credit Card comes with contactless payment technology, providing a quicker and more secure way to complete transactions. This feature enhances convenience, especially for small purchases.
Exclusive RuPay Network Offers
Being part of the RuPay network, this card allows you to benefit from numerous exclusive offers and discounts at various online and offline merchant outlets, increasing the overall value of your purchases.
Cost-Effective Fees
Compared to other credit cards, the Coral RuPay Credit Card comes with competitive annual and joining fees, offering an affordable option with many perks and benefits.
Eligibility Criteria for the Coral RuPay Credit Card
Age
To apply for the Coral RuPay Credit Card, the applicant must be between the ages of 21 to 60 years.
Income
Applicants should have a steady source of income, either through salaried employment or business. Specific income requirements may vary based on location and the applicant’s credit profile.
Credit Score
A good credit score (usually 750 and above) is recommended to improve the chances of approval. A higher credit score reflects financial responsibility and can help secure favorable terms.
Nationality
The card is available to Indian citizens and residents. Non-residents may also be eligible if they meet the bank’s criteria.
Documentation
Applicants are required to submit necessary documents, including:
- Proof of identity (Aadhaar card, passport, etc.)
- Proof of address (utility bills, passport, etc.)
- Income proof (salary slips, bank statements, or income tax returns)
Additional Criteria
ICICI Bank may also assess factors like your employment stability, existing debt obligations, and previous banking relationship with the bank to determine eligibility.
How to Apply for the Coral RuPay Credit Card
Online Application
- Visit the ICICI Bank Website
Go to the official ICICI Bank website and navigate to the Credit Cards section. - Select Coral RuPay Credit Card
Browse through the available credit cards and select the Coral RuPay Credit Card option. - Fill Out the Application Form
Complete the online application form by providing your personal details, income information, and contact details. - Submit Necessary Documents
Upload scanned copies of required documents, such as proof of identity, address, and income. Ensure that the documents meet the bank’s requirements. - Submit the Application
Review all information and submit the application form. You will receive an acknowledgment of your application.
Application via ICICI Bank Mobile App
- Download the ICICI Bank App
Install the ICICI Bank mobile app on your smartphone if you haven’t already. - Navigate to Credit Cards Section
Open the app, log in, and navigate to the Credit Cards section. - Apply for the Coral RuPay Card
Follow the on-screen instructions to apply for the Coral RuPay Credit Card, filling in your personal and financial details. - Document Upload
Upload the necessary documents as prompted by the app.
In-Person Application
- Visit an ICICI Bank Branch
If you prefer an in-person application, visit your nearest ICICI Bank branch. - Speak to a Representative
Approach a bank representative, who will guide you through the application process. - Submit Documents
Provide the required documents for verification and complete the application form with assistance from the bank representative. - Wait for Approval
After submitting your application and documents, the bank will process your application and notify you of the approval status.
Coral RuPay Credit Card Rewards Program
Earning Reward Points
The Coral RuPay Credit Card allows you to earn reward points for every purchase made. These points accumulate on:
- Everyday purchases like dining, groceries, and utilities.
- Online shopping and bill payments.
- Fuel purchases (subject to terms and conditions).
Redemption of Reward Points
The reward points earned through the Coral RuPay Credit Card can be redeemed for:
- Gift vouchers from leading brands.
- Airline miles for travel rewards.
- Products and services available in the bank’s reward catalog.
- Cashback or statement credit to reduce your outstanding balance.
Bonus Points
Cardholders may be eligible for bonus points on specific transactions or during promotional periods. These points are awarded for specific activities or spending thresholds, making it easier to accumulate rewards faster.
Exclusive Partner Offers
As part of the rewards program, Coral RuPay Credit Card holders gain access to:
- Special deals from retail and online merchants.
- Discounts on dining, entertainment, and travel bookings with affiliated partners.
Points Expiry
The reward points earned on the Coral RuPay Credit Card typically have a validity period. It is essential to redeem them before they expire to maximize the benefits.
Fees and Charges for Coral RuPay Credit Card
| Fee/Charge | Amount |
|---|---|
| Joining Fee | ₹500 – ₹1,000 (depending on the offer) |
| Annual Fee | ₹500 – ₹1,000 (may vary based on offers) |
| Interest Rate (Annual) | 3.40% per month (40.8% p.a.) |
| Late Payment Fee | ₹100 – ₹1,100 (depending on outstanding balance) |
| Cash Withdrawal Fee | 2.5% of the withdrawn amount (minimum ₹300) |
| Overlimit Fee | ₹500 |
| Duplicate Statement Fee | ₹100 per statement |
| Foreign Transaction Fee | 3.5% of the transaction amount (on foreign currency transactions) |
| Fuel Surcharge | 1% (with a waiver at select fuel stations) |
| Reward Redemption Fee | Nil (for standard redemption options) |
Comparing Coral RuPay Credit Card with Competitors
Here’s a comparison of the Coral RuPay Credit Card with other popular credit cards in India, based on key features, benefits, and fees:
| Feature/Attribute | Coral RuPay Credit Card | HDFC MoneyBack Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|---|
| Joining Fee | ₹500 – ₹1,000 (depending on the offer) | ₹500 | ₹499 |
| Annual Fee | ₹500 – ₹1,000 | ₹500 | ₹499 |
| Reward Points | Earn reward points on every purchase, including dining and utilities | Earn cashback points on online spends and selected categories | Earn reward points for online shopping and bill payments |
| Reward Redemption | Redeem for products, vouchers, cashback, or airline miles | Redeem points for cashback or gifts | Redeem points for gifts, cashback, and vouchers |
| Fuel Surcharge | 1% (waiver at select fuel stations) | 1% (waiver at select fuel stations) | 1% (waiver at select fuel stations) |
| Dining Offers | Discounts at partner restaurants (Culinary Treats) | Discounts at partner restaurants | Discounts at partner restaurants |
| Entertainment Offers | Discounts on movie tickets | Discounts on movie tickets and entertainment | Discounts on movie tickets |
| Foreign Transaction Fee | 3.5% of the transaction amount | 3.5% of the transaction amount | 3.5% of the transaction amount |
| Contactless Payments | Yes | Yes | Yes |
| Eligibility | 21 to 60 years of age, good credit score | 21 to 60 years of age, good credit score | 21 to 60 years of age, good credit score |
| Interest Rate (Annual) | 40.8% p.a. (3.4% per month) | 40.8% p.a. (3.4% per month) | 40.8% p.a. (3.4% per month) |
Key Points of Comparison:
- Reward Structure: The Coral RuPay Credit Card offers rewards on dining, groceries, and utility payments. In comparison, the HDFC MoneyBack Credit Card focuses more on cashback for online purchases and selected categories, while the SBI SimplyCLICK Credit Card is best for online shoppers with extra rewards for e-commerce spending.
- Fees: The fees are comparable across these cards, with joining and annual fees in the range of ₹500-₹1,000. However, specific offers or promotions may influence these fees.
- Exclusive Offers: All three cards provide dining and entertainment discounts, but Coral RuPay offers access to the ICICI Bank Culinary Treats program, while the others have their own restaurant partnerships.
- Foreign Transaction Fees: All three cards charge 3.5% for foreign transactions, which is standard in the industry.
Travel and Lifestyle Benefits of the Coral RuPay Credit Card
Airport Lounge Access
Coral RuPay Credit Card provides access to airport lounges in India, allowing cardholders to enjoy a relaxing environment before their flight. This benefit is available at select domestic airports.
Travel Insurance Coverage
The card offers travel insurance for various travel-related incidents. This typically includes:
- Loss of baggage during the journey.
- Accidental death or medical emergencies while traveling.
- Flight delay and trip cancellation coverage (subject to the terms and conditions).
Fuel Surcharge Waiver
Enjoy a fuel surcharge waiver at select fuel stations in India. This benefit can be helpful for frequent travelers, especially for road trips, as it reduces the cost of fuel purchases.
Discounts on Travel Bookings
Coral RuPay Credit Card holders can access exclusive discounts on flight bookings, hotel reservations, and holiday packages through partner travel portals. This adds extra value to your travel planning.
Special Deals on Dining and Entertainment
The Coral RuPay Credit Card is part of the Culinary Treats program, offering discounts at select restaurants across India. Additionally, you can enjoy entertainment benefits, including discounts on movie tickets, making it easier to enjoy your travels with added leisure.
Global Acceptance
Since the Coral RuPay Credit Card is part of the RuPay network, you can use it for both domestic and international transactions, making it a convenient option for travel. While international acceptance is growing, it’s always recommended to check for acceptance at your destination.
Luxury and Lifestyle Perks
The card occasionally offers access to exclusive lifestyle experiences, such as special events, concerts, or access to premium clubs and venues, enhancing your overall travel and lifestyle experience.
Customer Support and Services for Coral RuPay Credit Card
24/7 Customer Care
ICICI Bank provides round-the-clock customer support to Coral RuPay Credit Cardholders. You can reach their customer care team anytime for assistance on:
- Billing queries
- Card-related issues
- Disputes or fraud concerns
- Requesting additional services or features
Contact Methods
- Phone Support: Call the ICICI Bank Customer Care Helpline at 1860 120 7777 (India) or +91 44 2888 7777 (International).
- Email Support: You can reach out to customer.care@icicibank.com for assistance regarding any queries or concerns.
SMS Services
For quick updates and information, ICICI Bank provides SMS-based services such as:
- Mini-statements
- Transaction alerts
- Balance inquiries
ICICI Bank Mobile App
The ICICI Bank Mobile Banking App allows Coral RuPay Credit Cardholders to manage their accounts efficiently. Key features include:
- Viewing transaction history
- Checking reward points balance
- Making bill payments
- Blocking or unblocking the card if lost or stolen
Online Dispute Resolution
In case of any discrepancies, ICICI Bank offers an online dispute resolution service to address issues such as unauthorized transactions or billing errors. Dispute forms can be submitted via the ICICI Bank website or mobile app.
Card Protection Services
ICICI Bank provides services like lost card reporting and fraud protection for Coral RuPay Credit Cardholders. In case of loss or theft, you can immediately block your card by calling customer care or using the mobile app to prevent unauthorized use.
Personalized Services
For premium cardholders, ICICI Bank may offer personalized services, including priority customer support and assistance with card-related requests.
Security Features of Coral RuPay Credit Card
EMV Chip Technology
The Coral RuPay Credit Card is equipped with EMV chip technology, which enhances security by making it more difficult for fraudsters to clone or replicate your card. This technology generates a unique transaction code for every purchase, ensuring that your data remains protected.
Contactless Payments
With contactless payment technology, the Coral RuPay Credit Card allows for secure, quick, and easy payments by simply tapping the card on the payment terminal. This eliminates the need to enter your PIN for small transactions, offering both convenience and security.
Secure Online Transactions (3D Secure)
When making online purchases, Coral RuPay Credit Card users benefit from 3D Secure authentication (such as Verified by Visa or MasterCard SecureCode). This provides an additional layer of security during online transactions by prompting the cardholder for a one-time password (OTP) sent to their registered mobile number.
OTP-Based Authentication
For any transaction that exceeds a certain limit or when making online payments, an OTP (One-Time Password) is sent to the registered mobile number or email address. This ensures that only the authorized user can approve the transaction.
Fraud Monitoring and Alerts
ICICI Bank actively monitors all transactions for any unusual activity or potential fraud. As part of this monitoring, the bank sends real-time transaction alerts to your registered mobile number and email address, helping you track and verify purchases.
Lost or Stolen Card Protection
If your Coral RuPay Credit Card is lost or stolen, ICICI Bank provides 24/7 customer support to help you block the card and prevent unauthorized usage. You can immediately report the loss by calling customer care or using the ICICI Bank mobile app to block the card.
Virtual Credit Card for Online Transactions
For added security while shopping online, ICICI Bank offers a virtual credit card option. This one-time-use card can be generated via the mobile app or internet banking, providing a secure way to make online purchases without exposing your main credit card details.
PIN for ATM and Cash Withdrawals
To enhance security, the Coral RuPay Credit Card requires a personal identification number (PIN) when making ATM withdrawals or cash advances. This ensures that only you can access your funds through the card.
Pros and Cons of the Coral RuPay Credit Card
Pros
- Reward Points on Everyday Purchases
Earn valuable reward points on a wide range of purchases, including dining, groceries, and utility bills. These points can be redeemed for gift vouchers, cashback, and more. - Airport Lounge Access
Enjoy complimentary access to select airport lounges in India, enhancing your travel experience before flights. - Culinary Treats Program
Cardholders benefit from exclusive discounts at partner restaurants through the Culinary Treats program, providing savings on dining out. - Security Features
The card offers EMV chip technology, contactless payments, and 3D Secure authentication for secure transactions, minimizing fraud risks. - Travel Insurance
The Coral RuPay Credit Card includes travel insurance for lost baggage, flight delays, and medical emergencies, providing peace of mind during your travels. - Fuel Surcharge Waiver
Enjoy a fuel surcharge waiver at select fuel stations, which can add up to significant savings, especially for frequent drivers. - Access to Exclusive Deals
Get special offers and discounts on online shopping, movie tickets, and entertainment services, enhancing your lifestyle.
Cons
- Annual and Joining Fees
While the fees are relatively low, they may still be a drawback for some users, especially those who don’t use the card frequently enough to justify the costs. - Foreign Transaction Fee
The card charges a 3.5% fee on international transactions, which can be expensive for travelers who frequently make overseas purchases. - Limited International Acceptance
While RuPay cards are increasingly accepted globally, there may still be limited acceptance in certain international locations, particularly compared to cards like Visa or MasterCard. - Points Expiry
Reward points earned on the Coral RuPay Credit Card have an expiry period, so if you don’t redeem them in time, you could lose them. - Cash Withdrawal Charges
The card charges a fee of 2.5% (minimum ₹300) on cash withdrawals, which can make using the card for cash advances costly.
Real-World Reviews and Testimonials of the Coral RuPay Credit Card
Positive Reviews
- Great Rewards Program
“I’ve been using the Coral RuPay Credit Card for a few months now, and I’m really impressed with the rewards program. I earn points on almost all my purchases, from dining to groceries. I’ve already redeemed some points for gift vouchers, and the process was super easy!”
— Neha S., Mumbai - Convenient Airport Lounge Access
“The airport lounge access has been a game-changer for me. As a frequent traveler, having a peaceful space to relax before my flight has made a big difference. It’s one of the best perks of this card!”
— Rajesh K., Bengaluru - Security and Ease of Use
“The Coral RuPay Credit Card gives me peace of mind with its robust security features like 3D Secure and OTP verification. I feel safe using it for both in-store and online purchases.”
— Simran R., New Delhi - Dining Discounts Are a Bonus
“I love the dining discounts through the Culinary Treats program. It helps me save a lot when dining out, especially at high-end restaurants. I’ve recommended it to all my friends.”
— Anil P., Pune
Negative Reviews
- Foreign Transaction Fee
“While I love the card’s benefits, the 3.5% foreign transaction fee can add up quickly when I’m traveling abroad. I wish they would reduce this or offer more international perks.”
— Lina M., Hyderabad - Limited International Acceptance
“I’ve had issues using the Coral RuPay Credit Card in certain countries. While it works in most places, it’s not as widely accepted as Visa or MasterCard, which can be frustrating when traveling.”
— Michael T., Chennai - Annual Fees Can Be High
“The annual fee is not too high, but if you’re not using the card often enough, it might not be worth the cost. I’ve found myself paying the fee even when I don’t use the card as much as I’d like.”
— Priya D., Kolkata
Neutral Reviews
- Good, But Could Improve Reward Redemption Options
“The rewards are great, but I feel that the redemption options could be expanded. I prefer having more choices when it comes to using my points.”
— Karan J., Gurgaon - Satisfied Overall but Wish for More International Benefits
“Overall, the card is great for everyday use and offers excellent perks, but it lacks some of the global travel benefits that other premium cards offer. More international partnerships would make this a top choice.”
— Ananya G., Delhi
Tips to Maximize Your Coral RuPay Credit Card Benefits
Make the Most of Reward Points
- Use the card for daily expenses: From grocery shopping to utility bill payments, using your Coral RuPay Credit Card for everyday purchases allows you to accumulate reward points quickly.
- Monitor bonus categories: Take note of the categories that offer extra reward points, such as dining and groceries, and focus on using your card for those purchases to earn more points.
Redeem Rewards Wisely
- Plan your redemptions: Regularly check the reward redemption options available, including gift vouchers, cashback, and discounts on products or services, to make sure you’re getting the most value for your points.
- Check for special promotions: Coral RuPay often runs limited-time promotions offering extra rewards or better redemption rates. Keep an eye out for these to boost your rewards.
Take Advantage of Dining Discounts
- Use the Culinary Treats program: Enjoy exclusive discounts at partner restaurants by checking the list of participating outlets in the Culinary Treats program. This is an excellent way to save on dining out, especially if you frequently dine at high-end restaurants.
Benefit from Airport Lounge Access
- Plan your trips: Since the Coral RuPay Credit Card offers airport lounge access at select airports, make sure to use this benefit during your travels to relax before flights and avoid paying for expensive lounge access separately.
Leverage Travel Insurance and Protections
- Familiarize yourself with travel insurance: The card offers coverage for lost baggage, medical emergencies, and flight delays. Always carry your card when traveling to enjoy these protections in case of any unforeseen issues during your journey.
- Use the card for travel-related bookings: Pay for flights, hotels, or car rentals using your Coral RuPay Credit Card to take advantage of the travel insurance benefits and enjoy peace of mind during your trip.
Avoid Fees and Charges
- Pay your balance on time: To avoid high-interest charges, make sure to pay off your credit card balance in full before the due date. This will also help maintain a good credit score.
- Be mindful of cash withdrawal fees: Avoid withdrawing cash from ATMs using your credit card, as this incurs a fee. Use your card primarily for purchases and online transactions to maximize its benefits.
- Track foreign transaction fees: If you travel internationally, be aware of the 3.5% foreign transaction fee and try to limit overseas spending to minimize these charges.
Monitor Your Spending and Rewards
- Use the mobile app: Regularly check your transactions, reward points, and spending patterns through the ICICI Bank mobile app. It will help you stay on top of your card usage and make sure you are utilizing all the available benefits.
- Set alerts: You can set up spending limits and receive alerts to stay within your budget, ensuring you can manage your card effectively without overspending.
Review Offers and Promotions
- Check for seasonal offers: Coral RuPay Credit Card users often have access to special promotions or discounts for events, online shopping, and other activities. Keep an eye out for these to make your spending more rewarding.
Conclusion
The Coral RuPay Credit Card offers a compelling package of rewards, exclusive benefits, and security features, making it an attractive option for those looking to enhance their everyday spending. With features like reward points on daily expenses, airport lounge access, dining discounts, and travel insurance, the card provides a range of perks that add value to your lifestyle. Additionally, its advanced security features, such as EMV chip technology and contactless payments, ensure safe and convenient transactions.
While the card excels in rewarding users who make regular purchases, enjoy dining out, and travel frequently, it’s important to consider aspects like the foreign transaction fee and limited international acceptance before committing, especially for those who travel abroad often. The annual fee may also be a factor for users who don’t utilize the card frequently.
FAQs About Coral Rupay Credit Card
What is the Coral RuPay Credit Card?
The Coral RuPay Credit Card is a credit card offered by ICICI Bank in partnership with RuPay. It provides various benefits such as reward points, airport lounge access, dining discounts, travel insurance, and enhanced security features, making it a popular choice for individuals looking for rewards and lifestyle perks.
How can I earn reward points on the Coral RuPay Credit Card?
You can earn reward points on everyday purchases such as groceries, dining, utilities, and fuel. Additionally, special categories like dining and groceries may offer bonus reward points, allowing you to accumulate points faster.
What are the annual fees for the Coral RuPay Credit Card?
The joining fee and annual fee for the Coral RuPay Credit Card can vary based on the card type and offers available at the time of application. Typically, there is a moderate annual fee, which may be waived off if certain spending criteria are met.
What benefits come with the Coral RuPay Credit Card?
The card offers a variety of benefits, including:
Reward points on regular purchases.
Airport lounge access at select airports in India.
Discounts and benefits under the Culinary Treats program for dining.
Travel insurance coverage for lost baggage, flight delays, and medical emergencies.
Fuel surcharge waivers at select stations.
Enhanced security features like EMV chip technology, contactless payments, and OTP-based authentication.
How can I redeem my reward points?
You can redeem your reward points for various options, such as gift vouchers, cashback, and discounts on a range of products and services. You can view the available redemption options through the ICICI Bank mobile app or website.
Is the Coral RuPay Credit Card accepted internationally?
While the Coral RuPay Credit Card is gaining wider international acceptance, it may not be as widely accepted as Visa or MasterCard in some countries. If you plan to travel frequently abroad, it is advisable to check the card’s acceptance in your destination.
Are there any foreign transaction fees on the Coral RuPay Credit Card?
Yes, the Coral RuPay Credit Card charges a 3.5% foreign transaction fee for purchases made outside of India. This fee applies to any international transactions.
What is the process if my Coral RuPay Credit Card is lost or stolen?
In case of loss or theft, you should immediately contact ICICI Bank’s customer support to block your card. You can also use the ICICI Bank mobile app to report the issue and protect your account from unauthorized transactions.
What are the security features of the Coral RuPay Credit Card?
The card offers advanced security features such as:
EMV chip technology to prevent cloning and ensure safe transactions.
Contactless payments for easy and secure transactions.
OTP-based authentication for online purchases.
Fraud monitoring and real-time transaction alerts to help detect unauthorized activities.
Can I use the Coral RuPay Credit Card for cash withdrawals?
Yes, you can use your Coral RuPay Credit Card for cash withdrawals at ATMs, but it will incur a cash advance fee of 2.5% (with a minimum charge). It’s advisable to use the card primarily for purchases to avoid unnecessary fees.
What is the validity period of reward points on the Coral RuPay Credit Card?
Reward points earned on the Coral RuPay Credit Card have an expiry period, so make sure to redeem them before they expire. Check the validity of your points regularly on the ICICI Bank mobile app or website.
How do I apply for the Coral RuPay Credit Card?
You can apply for the Coral RuPay Credit Card online through the ICICI Bank website or by visiting an ICICI Bank branch. The application process involves submitting the required documents and meeting the eligibility criteria.
What is the eligibility criteria for the Coral RuPay Credit Card?
To apply for the Coral RuPay Credit Card, you generally need to meet the following criteria:
Be at least 21 years old (and not more than 60 years).
Have a stable income and good credit score.
Provide necessary documents such as proof of identity, address, and income.
How long does it take to receive the Coral RuPay Credit Card after applying?
After completing your application and approval process, you can typically expect to receive your Coral RuPay Credit Card within 7-10 business days. Delivery time may vary depending on your location.
Is there a grace period for paying the Coral RuPay Credit Card bill?
Yes, the Coral RuPay Credit Card offers a grace period of up to 20-50 days (depending on the billing cycle) to pay your outstanding balance without incurring interest. However, if you do not pay the full amount within the grace period, interest charges will apply.
Can I link my Coral RuPay Credit Card to a mobile wallet like Google Pay or Apple Pay?
Yes, you can link your Coral RuPay Credit Card to popular mobile wallets such as Google Pay and Apple Pay to make quick, secure payments online and at merchant locations that accept contactless payments.
Are there any welcome offers for new Coral RuPay Credit Card holders?
New Coral RuPay Credit Cardholders may be eligible for welcome offers, including bonus reward points or discounts on first-time purchases. These offers may vary, so it’s advisable to check for current promotions when applying for the card.
By Paisainvests
