Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
ICICI Bank Coral RuPay Credit Card LIC, Health & Term Insurance Premiums Rewards Calculator
Calculate ICICI Bank Coral RuPay Credit Card cashback on LIC, Health & Term Insurance Premiums. At 0.25% reward rate, earn up to ₹1,500 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.
Interactive Category Calculator
Estimate LIC, Health & Term Insurance Premiums Rewards
Simulate monthly spends to check cashback caps, 0% exclusion traps, and competitor switches.
₹30,000
₹1,000/mo₹50,000/mo₹1,00,000/mo
Monthly Cashback₹750.25% effective rate
Annual Projected Cashback₹900on ₹3,60,000/yr spend
Monthly Cap SaturationUncappedNo ceiling
Spend Tier Simulations for LIC, Health & Term Insurance Premiums
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹38 | ₹450 | ₹0 | +₹450 |
| ₹30,000 | ₹3,60,000 | ₹75 | ₹900 | ₹0 | +₹900 |
| ₹50,000 | ₹6,00,000 | ₹125 | ₹1,500 | ₹0 | +₹1,500 |
| ₹75,000 | ₹9,00,000 | ₹188 | ₹2,250 | ₹0 | +₹2,250 |
| ₹1,00,000 | ₹12,00,000 | ₹250 | ₹3,000 | ₹0 | +₹3,000 |
| ₹1,50,000 | ₹18,00,000 | ₹375 | ₹4,500 | ₹0 | +₹4,500 |
| ₹2,00,000 | ₹24,00,000 | ₹500 | ₹6,000 | ₹0 | +₹6,000 |
Frequently Asked Questions
What reward rate does ICICI Bank Coral RuPay Credit Card earn on LIC, Health & Term Insurance Premiums?▼
ICICI Bank Coral RuPay Credit Card earns an effective reward rate of 0.25% on LIC, Health & Term Insurance Premiums.
What is the monthly cap for LIC, Health & Term Insurance Premiums on ICICI Bank Coral RuPay Credit Card?▼
ICICI Bank Coral RuPay Credit Card provides uncapped rewards on LIC, Health & Term Insurance Premiums.
Which alternative card is best for LIC, Health & Term Insurance Premiums?▼
The #1 recommended alternative is Amazon Pay ICICI Bank Credit Card, offering a 2.0% reward rate delivering ₹12,000 net annual value at ₹50,000/month spend.
How much cashback do I lose at ₹50,000 monthly spend with ICICI Bank Coral RuPay Credit Card?▼
At ₹50,000/month, all rewards are fully credited without hitting monthly caps.