Head-to-head · 🇮🇳 India
ICICI Rubyx vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 6 of 10
Verdict
ICICI HPCL Coral wins 6-0. Fuel-heavy spenders at HPCL pumps. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI Rubyx | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹2,000 | ₹199 |
| Joining fee | · ₹3,000 | ₹199 |
| Top reward rate | · 1% (general) | 5% (fuel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹350,000 / yr | ₹50,000 / yr |
| Min income | · ₹600,000 | ₹250,000 |
| Min credit score | · 760 | 720 |
| Editorial rating | = 4/5 | = 4/5 |
Benefits compared
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
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›ICICI Rubyx vs ICICI HPCL Coral: which is better?
ICICI HPCL 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 Rubyx for its best categories, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.