ICICI Bank Coral RuPay Credit Card vs ICICI Bank Rubyx Credit Card
Last verified 20 Oct 2026 · how we compare
Side by side
| Feature | ICICI Bank Coral RuPay Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Joining fee | ₹500 | ₹3,000 |
| Annual fee | ₹500 | ₹2,000 |
| Fee waiver | The ₹500 annual fee from the second year is refunded if you spend ₹1,50,000 or more in that card year. EMI, rent, government and education payments don't count towards it. | From the second year, the ₹2,000 annual fee is reversed if you spend ₹3 lakh or more in the card year. Rent, government, education and EMI payments don't count towards it. ICICI's product page says the waiver applies to the next year's fee; its terms say the fee for the year in which you reach ₹3 lakh is reversed when that year ends. Paying the joining fee brings welcome vouchers ICICI values at over ₹15,000. |
| Fuel (value back) | 0% | 0% |
| Rewards in short | 2 reward points per ₹100 on most spends, including UPI payments, and 1 point per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Milestone bonus of up to 10,000 points a year, plus BookMyShow and INOX movie discounts. | 2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers on paying the joining fee (Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 for flights and ₹3,000 for holidays, Croma ₹1,000, ₹10,000 off an Elivaas stay of ₹50,000 or more, 3 months of EazyDiner Prime), a milestone bonus of up to 15,000 points a year, and 25% off movie tickets (up to ₹150, twice a month each on BookMyShow and INOX). |
| Works on UPI | Yes (RuPay) | Yes (RuPay) |
| Airport lounge | 4 domestic airport visits a year (1 a quarter) for the primary cardholder, each unlocked by spending ₹75,000 in the previous quarter. ICICI's terms count that quarter from the 26th to the 25th (26 June to 25 September unlocks October to December), though its FAQ says calendar quarter. Also 4 railway lounge visits a year (1 a quarter) for the primary cardholder, with no spend condition. | 8 domestic airport visits a year (2 a quarter) for the primary cardholder, each quarter unlocked by spending ₹75,000 in the previous quarter. ICICI's terms count that quarter from the 26th to the 25th (26 June to 25 September unlocks October to December). Also 8 railway lounge visits a year (2 a quarter) for the primary cardholder, with no spend condition. No international lounge access. If you hold the card on two networks, you get 1 airport visit a quarter on each. |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel payments of ₹400 to ₹4,000 at HPCL pumps, when paid on an ICICI Bank card machine | 1% waiver at all petrol pumps on fuel payments of ₹400 to ₹4,000, on up to ₹50,000 of fuel spend per statement cycle. GST on the surcharge isn't refunded at non-HPCL pumps, and fuel payments above ₹10,000 carry a 1% fee. |
| Card network | RuPay | Visa, Mastercard, American Express, RuPay |
| Minimum income (salaried) | ₹20,000 a month | ₹75,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the ICICI Bank Coral RuPay Credit Card if
you earn ₹20,000 to ₹75,000 a month, or want a low fee and UPI payments that earn points
₹500 joining, ₹500 a year
Pick the ICICI Bank Rubyx Credit Card if
you earn ₹75,000 a month or more and will use the welcome vouchers, lounge visits and movie offers
₹3,000 joining, ₹2,000 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Is ICICI Rubyx better than Coral?
It has more perks for a higher fee and income bar. Both earn 2 points per ₹100 in India (ICICI publishes no rupee value for either). Rubyx earns 4 per ₹100 abroad, gives welcome vouchers worth over ₹15,000 on paying its ₹3,000 joining fee, and pays milestone bonuses up to 15,000 points a year against Coral RuPay's 10,000. Rubyx also earns on more spend each cycle: utilities up to ₹80,000, groceries ₹40,000 and transport ₹20,000, against Coral RuPay's ₹40,000, ₹20,000 and ₹10,000.
Which has better lounge access?
Rubyx: 2 domestic airport visits a quarter after ₹75,000 of spend in the previous quarter, plus 2 railway lounge visits a quarter with no spend condition. Coral RuPay gives 1 domestic airport visit a quarter after the same ₹75,000 spend, plus 1 railway lounge visit a quarter. Neither has international lounge access.
Who can get each card?
Both are for Indian citizens aged 21 to 65. Coral RuPay needs an income of ₹20,000 a month (salaried) or ₹2.4 lakh a year (self-employed). Rubyx needs ₹75,000 a month or ₹9 lakh a year.
Do they work on UPI and give fuel and movie benefits?
Coral RuPay is a RuPay card and Rubyx has a RuPay version, so both can be linked to UPI apps; Coral RuPay's 2 points per ₹100 include UPI payments. Rubyx waives the 1% fuel surcharge at all pumps on ₹400 to ₹4,000 payments, Coral RuPay only at HPCL pumps on an ICICI card machine. Rubyx gives 25% off movie tickets up to ₹150, twice a month each on BookMyShow and INOX; Coral RuPay 25% off up to ₹100 twice a month on BookMyShow. Both movie offers need ₹25,000 of spend in the previous quarter.
Full details: ICICI Bank Coral RuPay Credit Card · ICICI Bank Rubyx Credit Card · find the card that fits your spending
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.