Head-to-head · 🇮🇳 India
ICICI Coral vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 6 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
Verdict
ICICI Coral wins 6-0. Entry-tier card — easy approval, decent base earning, low fee. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI Coral | ICICI Rubyx |
|---|---|---|
| Annual fee | ₹500 | · ₹2,000 |
| Joining fee | ₹500 | · ₹3,000 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | ₹150,000 / yr | · ₹350,000 / yr |
| Min income | ₹240,000 | · ₹600,000 |
| Min credit score | 700 | · 760 |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›ICICI Coral vs ICICI Rubyx: which is better?
ICICI Coral wins on more dimensions (6 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Coral for its best categories, ICICI Rubyx for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.