HDFC Bank Rupay Credit Card

Lounge access

• Domestic airport lounge access: 1 complimentary access per quarter (ICICI bank Coral RuPay Credit Card) unlocked by spending ₹75,000 in the preceding calendar quarter.
• Applicable to eligible cards from Jan 01, 2025.
• Card validation authorisation amount of ₹2 on VISA/MASTERCARD/RUPAY variants (Re. 1 on AMEX).
• Lounge access valid up to 3 hours per visit.
• Complimentary benefit for primary cardholders only.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Forex markup

• 3.50% mark-up on foreign currency transactions.
• A refund on similar foreign currency transactions also attracts a 3.5% mark-up fee.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Charge

• Finance charge: 3.75% per month (45% p.a.) on revolving credit for retail and cash advances (w.e.f. Nov 15, 2024).
• Cash advance transaction fee: 2.5% of advanced amount, min ₹500.
• Card replacement fee: ₹200 for all cards (w.e.f. Jul 1, 2024).
• Dynamic Currency Conversion fee: 3.5% (w.e.f. Jan 15, 2026) on transactions in INR at international locations or at India merchants registered abroad.
• Refunds also attract DCC fee.
• Add-on/Supplementary Card fee: ₹199 (annual, w.e.f. Nov 15, 2024).
• Over-limit charges: 2.50% of over-limit amount, min ₹550 (only with explicit consent).
• Rent Pay: 1% (MCC 6513).
• Fuel transaction: 1% on transactions over ₹10,000.
• Utility transaction: 1% over ₹50,000.
• Transportation transaction: 1% over ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment via third-party apps: 1%.
• Skill-based gaming: 2% (w.e.f. Jan 15, 2026).
• Wallet load: 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Fee on cash payment at branches: ₹150 per transaction (w.e.f. Jan 15, 2026).
• Late payment charges: None below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (over ₹50,000).
• Return of cheque / Auto-Debit return fee: 2% of Total Amount Due, min ₹500 (plus ₹50 + GST).
• Railway booking surcharge: 1.80% Internet, 2.50% other bookings.
• Redemption handling fee applies.
• GST 18% applicable.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Interest-free period

• Interest-free period ranges from 18 to 48 days.
• A 3-day grace period is given after the payment due date.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Fuel surcharge waiver

• Fuel surcharge waiver of 1% of transaction value at HPCL petrol pumps (max transaction ₹4,000 on ICICI Merchant Services swipe machines) and 1% at all petrol pumps on select cards.
• Waiver applicable for spends up to ₹50,000 per statement cycle.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Milestone benefit

• BookMyShow offer: enjoy the BookMyShow offer on the Credit Card by spending ₹25,000 or more in the preceding quarter.
• Cycle repeats every quarter (w.e.f. Jan 15, 2026).
• Coral Credit Card is among eligible cards.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Redemption value

• Redemption Handling Fee (plus GST) per redemption request: ICICI Bank Rewards Scheme ₹99.
• Catalogue Based Redemptions ₹99.
• Mine Cash Statement Credit Redemptions ₹99.
• Mine Cash Catalogue Based Redemptions ₹25.
• Reward points expire 36 months from date of issuance.

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Reward cap

• Reward points per statement cycle capped for ICICI Bank Coral Credit Card at: Utility spend ₹40,000.
• Insurance spend ₹40,000.
• Grocery and Departmental spend ₹20,000 (w.e.f. Nov 15, 2024).
• Transportation transaction cap ₹10,000 per statement cycle (w.e.f. Feb 01, 2026).

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source

Reward exclusion

Verified · MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026 · 2026-08-02 · source