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ICICI Bank Coral Credit Card VS ICICI Bank Rubyx Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both ICICI Bank Coral Credit Card and ICICI Bank Rubyx Credit Card suit dining-focused spenders, but they earn and cost differently. ICICI Bank Coral Credit Card costs ₹500 + GST and earns 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance. ICICI Bank Rubyx Credit Card costs ₹3,000 + GST and earns 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance). ICICI Bank Coral Credit Card also brings 1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter, while ICICI Bank Rubyx Credit Card counters with 2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter. If movies spending matters more, go with ICICI Bank Coral Credit Card; if travel is the priority, ICICI Bank Rubyx Credit Card fits better.

ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹3,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹2,000 + GST
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Spend Based WaiverAnnual fee waived if ₹3 lakh or more is spent in the previous year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% per month (45% per annum)

Rewards & Benefits

Welcome Bonus
Welcome BonusWelcome vouchers worth over ₹15,000 (Tata CLiQ, EaseMyTrip, Croma, Elivaas) & EazyDiner Prime membership.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Rewards RateEarn 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
Domestic Lounge Access2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter.
International Lounge Access
International Lounge Access
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Travel BenefitsComplimentary domestic airport and railway lounge access, plus discounts on car rentals with Avis.
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Movie Benefits25% discount (up to ₹150) on 2 movie tickets on BookMyShow/INOX, twice monthly (spend condition applies).
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Dining BenefitsExciting discount offers on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.
Golf Benefits
Golf Benefits1 complimentary golf round or lesson for every ₹50,000 spent in previous month, max 2 per month.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400 and ₹4,000 across all fuel stations in India.

Security & Other

Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Insurance Benefits₹1 Cr Personal Air Accident Cover, ₹50k Lost Card Liability Protection, and Personal Accident Insurance Cover.
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

ICICI Bank Rubyx Credit Card

Who is it for?

The ICICI Bank Coral Credit Card is a popular entry-level offering providing exclusive rewards and offers across dining, entertainment, and travel. Cardholders can earn up to 2 Reward Points per ₹100 spent and benefit from complimentary domestic airport and railway lounge access quarterly. It's an excellent choice for individuals who frequently spend on movies and dining, offering significant savings and milestone benefits. The card also features a 1% fuel surcharge waiver and an annual fee waiver based on spending, making it a well-rounded option for everyday use.

Who is it for?

The ICICI Bank Rubyx Credit Card is a sub-premium offering designed for individuals seeking a blend of premium rewards and exclusive lifestyle privileges. It offers a robust rewards program on both domestic and international spends, coupled with lifestyle benefits such as discounts on movies and dining, complimentary airport and railway lounge access, and comprehensive insurance coverage. The card also provides a spend-based annual fee waiver, making it an attractive option for those who meet the spending thresholds. It's ideal for frequent travelers and shoppers looking for an affordable card with significant advantages.

Pros

Key benefits and features.

Offers valuable complimentary railway lounge access without any spend criteria.

Provides significant savings on movie tickets with up to 25% discount twice monthly.

Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.

Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.

Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.

Pros

Key benefits and features.

Offers several useful insurance benefits, including a ₹1 crore air accident cover.

Provides attractive movie offers with a 25% discount on BookMyShow and INOX.

Includes complimentary domestic airport and railway lounge access for travelers.

Flexible reward points that can be redeemed against cash or a variety of gifts.

Features 24x7 i-Assist concierge services for various assistance needs.

Cons

Key drawbacks and limitations.

Lounge access and movie benefits are subject to specific quarterly spend conditions.

The card does not offer any welcome benefits for new cardholders.

Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.

High foreign currency markup of 3.5% makes international spends less rewarding.

Movie cashback offers on the Amex variant have been revoked from Jan 2025.

Cons

Key drawbacks and limitations.

Reward rate is not high, and 3.5% foreign currency markup makes international spending unattractive.

Airport lounge access is conditional, requiring high spends of ₹75,000 in the preceding quarter.

Movie benefits also require a spend of ₹25,000 in the preceding quarter to be eligible.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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