ICICI Bank Coral vs ICICI Bank Rubyx
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Coral vs Rubyx (Sept 2026): for the standard ₹32k/month profile ICICI Bank Coral wins on score (46/100, ₹1,693 recurring net savings a year) vs Rubyx 44/100 (₹1,813). Cheapest to hold: Coral (₹590 incl. GST). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
ICICI Bank Coral scores highest (46/100) with ₹1,693 recurring net savings a year. ICICI Bank Rubyx saves more in pure rupees (₹1,813) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 46/100 BEST | 44/100 |
| Recurring net savings | ₹1,693/yr | ₹1,813/yr BEST |
| Effective savings rate | 0.5% | 0.6% BEST |
| Annual fee incl. GST | Waived | Waived |
| Usable lounge visits | ✈4 dom you can use 2 | ✈8 dom you can use 2 |
| Why it fits | ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on… | ✓ Base rate 0.5% on other spends earns you about ₹1,453 a year on… |
| Main drawback | ! Not a RuPay card – your UPI QR spends cannot go on it. | ! Not a RuPay card – your UPI QR spends cannot go on it. |
| How the net figure adds up | ||
| + Reward value on your spend | ₹1,333 at ₹0.25/ICICI Reward Points | ₹1,453 at ₹0.25/ICICI Reward Points BEST |
| + Milestone bonuses you reach | none | none |
| + Fuel surcharge waiver | ₹360 | ₹360 |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 waived at ₹1,50,000 spend | ₹0 waived at ₹3,00,000 spend |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹1,693/yr | ₹1,813/yr BEST |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 0.5% | 0.6% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹216 0.3% | ₹216 0.3% |
| Dining & food delivery (₹48,000/yr) | ₹211 0.4% | ₹211 0.4% |
| Online shopping (₹72,000/yr) | ₹360 0.5% | ₹360 0.5% |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹54 0.3% | ₹54 0.3% |
| Bills & utilities (₹30,000/yr) | ₹75 0.3% | ₹150 0.5% BEST |
| Flights (₹24,000/yr) | ₹120 0.5% | ₹120 0.5% |
| Hotels (₹12,000/yr) | ₹60 0.5% | ₹60 0.5% |
| Movies & OTT (₹9,600/yr) | ₹48 0.5% | ₹48 0.5% |
| Insurance premiums (₹18,000/yr) | ₹45 0.3% | ₹90 0.5% BEST |
| Everything else (₹48,000/yr) | ₹144 0.3% | ₹144 0.3% |
| Base earn rate | 0.5% | 0.5% |
| Accelerated categories | 1 rule
| 1 rule
|
| Excluded categories | fuel, rent | fuel, rent |
| Caps hit for your spend | None | None |
| Milestones | None | None |
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹500 + GST | ₹3,000 + GST |
| Fee waiver | On ₹1,50,000 annual spend | On ₹3,00,000 annual spend |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | None | ₹5,000 worth of vouchers ≈ ₹4,500 |
| First-year value (separate) | ₹1,103 | ₹2,773 BEST |
| Travel | ||
| Domestic lounge entitlement | 1 per quarter | 2 per quarter |
| International lounge entitlement | None | None |
| Lounge condition | ₹35,000 per quarter – you qualify | ₹75,000 per quarter – you qualify |
| Forex markup | 3.5% | 3.5% |
| Redemption & simplicity | ||
| Reward currency | ICICI Reward Points · ₹0.25/unit | ICICI Reward Points · ₹0.25/unit |
| How to redeem | Details1 RP = ₹0.25 on vouchers/catalogue. | Details1 RP = ₹0.25. |
| Redemption flexibility | ★★★☆☆ | ★★★☆☆ |
| Simplicity | ★★★★☆ BEST | ★★★☆☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver, movies | fuel waiver, movies, golf, insurance cover |
| Eligibility | Income ₹3L+/yr | Income ₹8L+/yr |
| Score breakdown | ||
| Net savings rate | 11/100 × 55% = 5.8 | 11/100 × 55% = 6.2 |
| Usable lounge access | 100/100 × 15% = 15.0 | 100/100 × 15% = 15.0 |
| Redemption flexibility | 60/100 × 10% = 6.0 | 60/100 × 10% = 6.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Simplicity | 80/100 × 5% = 4.0 | 60/100 × 5% = 3.0 |
| Fee safety | 100/100 × 5% = 5.0 | 85/100 × 5% = 4.3 |
| Sources | ||
| Official source | ICICI Bank – Coral product page | ICICI Bank – Rubyx product page |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: Coral or Rubyx?
For the example profile, ICICI Bank Coral scores highest (46/100, ₹1,693 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Coral: ₹590 incl. GST; Rubyx: ₹2,360 incl. GST.