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ICICI Bank Coral vs ICICI Bank Rubyx

ICICI Bank Coral has the lower annual fee (₹500 against ₹2,000). ICICI Bank Coral waives its fee on ₹1,50,000 of spend a year; ICICI Bank Rubyx waives its fee on ₹3,00,000 of spend a year. After fees, ICICI Bank Rubyx comes out ahead for the frequent traveller, with the others a tie. The Saifu app works it out on your own spends, on your phone.

FeatureICICI Bank CoralICICI3 wins · aheadICICI Bank RubyxICICI1 win
Annual feeLower₹500₹2,000
Joining feeLower₹500₹3,000
Fee waiverLowerWaived on ₹1,50,000 spend a yearWaived on ₹3,00,000 spend a year
Rewards2 reward points per Rs 100 on retail spends, 1 on utility and insurance4 reward points per Rs 100 on international spends, 2 on domestic, 1 on utility and insurance
Airport lounges1 a quarter domesticMore2 a quarter domestic
Forex markup3.5% plus GST3.5% plus GST
PointsICICI Bank Reward Points, about ₹0.25 a pointICICI Bank Reward Points, about ₹0.25 a point
Published minimum income and ageSalaried ₹2,40,000 a year, self-employed ₹2,40,000 a year, age 21 to 65Salaried ₹9,00,000 a year, self-employed ₹9,00,000 a year, age 21 to 65
NetworkAmex / RuPayVisa / Mastercard / Amex / RuPay
ApplyBank pageBank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spenderICICI Bank CoralICICI Bank Rubyx
Everyday spender₹30,000 a month₹1,515 a year₹1,515 rewards, no fee to pay₹1,515 a year₹1,515 rewards, no fee to pay
Online shopper₹50,000 a month₹2,880 a year₹2,880 rewards, no fee to pay₹2,880 a year₹2,880 rewards, no fee to pay
Frequent traveller₹1,00,000 a month₹5,580 a year₹5,580 rewards, no fee to payMore₹6,480 a year₹6,480 rewards, no fee to pay
The sample spends and how this is worked out
  • Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
  • Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
  • Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, ICICI Bank Coral or ICICI Bank Rubyx?

After fees, ICICI Bank Rubyx comes out ahead for the frequent traveller, with the others a tie. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

ICICI Bank Coral (₹500 against ₹2,000). ICICI Bank Coral waives it on ₹1,50,000 of spend a year. ICICI Bank Rubyx waives it on ₹3,00,000 of spend a year.

Add a third cardICICI Bank CoralICICI Bank Rubyx

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