ICICI Bank Coral Credit Card vs ICICI Bank Rubyx Credit Card

Credit cards by ICICI Bank, namely ICICI Bank Coral Credit Card and ICICI Bank Rubyx Credit Card are from the gemstone collection of the bank. Both the cards by ICICI Bank are offered in all three variants – Visa, Mastercard, and American Express. An individual is given a free hand to choose from the variants available. The ICICI Bank Coral Credit Card was designed keeping in mind the daily needs of an individual such as providing them with discounts on movie bookings, dinners, and regular reward on their daily spending. You are also entitled to get complimentary access to domestic lounges and railway lounges with this card. Additionally, an individual is rewarded with a fuel surcharge waiver on all his fuel transactions. ICICI Bank charges a nominal joining fee of Rs. 500 for this credit card which quite justifies the benefits that this card provides.

On the other hand, the ICICI Bank Rubyx Credit Card is a premium credit card that provides you with amazing welcome benefits. Along with the welcome benefits, the bank also allows you to earn reward points on all your spending which includes international spending as well. Apart from this, you also get complimentary access to the airport and railway lounges, discounts while booking movie tickets and while paying your dining bills, etc. With this credit card, you are also able to get complimentary golf lessons every month. This credit card has a joining fee of Rs. 3,000 which is quite in sync with the rewards and benefits that the card has to offer. Also, the renewal fee of this card can be waived upon a specific amount of expenditure using your credit card in a year.

Both the credit cards has great deals to offer with each individual category on the basis of your expenditure category. The features and benefits are discussed below  –

ICICI Bank Coral Credit Card

ICICI Bank Coral Credit Card provides some exclusive benefits to its holders while they use their credit cards for entertainment, travel purposes and dining as well. The card allows their cardholders to earn reward points on all their spends which are further redeemable against various products and vouchers available on the ICICI Bank Website. In addition to all this, the cardholders get complimentary access to the airport and railway lounges. This card comes with an annual fee of Rs. 500. Below are the detailed salient features of the card –

• 2 Reward Points will be rewarded for every Rs. 100 spent on all transactions (does not include fuel transactions).
• Earn 1 Reward Point on every Rs. 100 spent on bills for utilities and insurance.
• The cardholder can enjoy 1 complimentary access to airport lounges in India if he is able to spend Rs. 5,000 using his credit card in the previous calendar quarter.
• With the ICICI Bank Coral Credit Card, the cardholders get 4 complimentary visits to the railway lounges in India, limited to 1 visit in a quarter.
• The cardholders can now enjoy the delicate cuisines at 2500+ premium restaurants which include TGI Fridays, Cafe Coffee Day, etc by getting a 15% discount while paying the dining bills by the Card.
• With ICICI Bank Coral Credit Card, the cardholders can get a 25% discount (maximum of Rs. 100) on the purchase of a minimum of 2 tickets via BookMyShow and INOX. This offer can be availed by a cardholder 2 times a month.
• As a milestone benefit, you will get rewarded with 2,000 Reward Points upon spending over Rs. 2 Lakhs and a further 1,000 RPs every time you achieve a spend of Rs. 1 Lakh using your credit card in a year. The maximum bonus reward points that a cardholder can earn in an anniversary year as a milestone benefit are capped at 10,000 points per year.
• The cardholders will also get a fuel surcharge waiver of 1% at all HPCL petrol pumps across India on transactions of maximum up to Rs. 4,000.
• The joining fee can be waived off if the cardholder spends over  Rs. 1.50 Lakhs using their credit card in the previous year.
• All the reward points earned using the ICICI Bank Coral Credit Card can be redeemed against an array of products and vouchers available at the ICICI Bank Website or against cash where 1 Reward Point = Rs. 0.25

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ICICI Bank Rubyx Credit Card

A card from ICICI Bank’s gemstone collection, ICICI Rubyx Credit Card is a premium category credit card specially designed to provide exclusive benefits to its cardholders. A cardholder is entitled to get reward points on all his domestic and international spends. In addition to the reward points, the cardholder is also entitled to complimentary visits to the airport and railway lounges. The cardholder will also get discounts on booking movie tickets and while paying his dining bills. With a membership fee of Rs. 3,000 (plus applicable taxes), the rewards and benefits that this card provides are quite great. Let us now discuss in detail this credit card by ICICI Bank-

• As a welcome gift, the cardholder gets shopping and travel vouchers amounting to Rs. 5,000 or more. These will be given to the cardholder within 30 days of the payment of the joining fees.
• With ICICI Bank Rubyx Credit Card, the cardholder gets 4 RPs for every Rs. 100 spent on all international transactions.
• You get 2 RPs on every Rs. 100 spent for all domestic transactions.
• The cardholder will get 1 RP for every Rs. 100 spent on transactions related to insurance and utility spends.
• The cardholder gets 2 complimentary visits to the domestic lounge every quarter with the Visa variant of the ICICI Bank Rubyx Credit Card
• You get 1 complimentary domestic lounge access per quarter with each of the American Express and MasterCard variants upon successfully spending Rs. 5,000 using your credit card in the previous quarter.
• The cardholder is entitled to get 2 complimentary railway lounge access per quarter.
• The cardholders can avail of a discount of 25% (maximum of Rs. 150) on a purchase of 2 movie tickets twice a month via BookMyShow and INOX (individually). This offer is applicable one time each on American Express and Mastercard variants.
• Under the ICICI Bank Culinary Treats Program, you get exciting discounts on your dining bills at the partnered restaurants.
• The cardholders get 1 complimentary golf round/lesson for every Rs. 50,000 spent in the previous month. A maximum of 2 rounds can be enjoyed in a month.
• You get access to ICICI Bank’s 24×7 concierge services, i-Assist for assistance regarding hotel reservations, movie ticket bookings, car rental, etc.
• With this credit card, the cardholder can earn 3,000 Reward Points on achieving spends of Rs. 3 Lakhs and 1,500 Reward Points for every subsequent spends of Rs. 1 Lakh in an anniversary year. The maximum reward points that can be earned as milestone benefits are 15,000 Reward Points.
• With ICICI Bank Rubyx Credit Card, the cardholders get a fuel surcharge waiver of 1% all fuel stations in India on a maximum transaction of Rs. 4,000
• The Rewards points earned with the ICICI Bank Rubyx Credit Card are redeemable against a various products available at the ICICI Bank Website or can be redeemed for cash where 1 RP = Rs. 0.25

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Quick Comparison

After discussing the features and benefits of both the cards, let us now have a quick comparison between ICICI Bank Coral Credit Card and ICICI Bank Rubyx Credit Card –

Basis	ICICI Bank Coral Credit Card	ICICI Bank Rubyx Credit Card
Reward Rate	2 RPs for every Rs. 100 spent on all types of  transactions (except fuel) 1 RP on every Rs. 100 spent on utilities and insurance	4 RP for every Rs. 100 spent on international spends 2 RPs on every Rs. 100 spent on domestic spends 1 RP on every Rs. 100 spent on utilities and insurance
Reward Redemption	Rewards ae redeemable against products or vouchers or for cash 1 RP = Rs. 0.25	Rewards are redeemable against either products or vouchers or for cash 1 RP = 0.25
Fuel Surcharge Waiver	1% fuel surcharge waiver with all HPCL fuel stations	1% fuel surcharge waiver at all fuel stations
Welcome Benefits	NA	Travel and shopping vouchers worth Rs. 5,000 or more
Dining Benefits	15% discount on dining bills under the ICICI Bank Culinary Treats Program	Exciting discount on dining bills under the ICICI Bank Culinary Treats Program
Milestone Benefits	2,000 RP on achieving spends of Rs. 2 Lakhs and 1,000 RP for every Rs. 1 Lakh spent thereafter in an anniversary year	3,000 RP on achieving spends of Rs. 3 Lakhs and 1,500 RP for every Rs. 1 Lakh spent thereafter in an anniversary year
Lounge Access	1 visit per quarter upon spending atleast a  minimum of Rs. 5,000 in the last quarter	2 visits per quarter with Visa Variant 1-1 visit each with Mastercard and Visa Variant on spending Rs. 5,000 with your card in the previous quarter
Railway Lounge Access	1 complimentary railway lounge access per quarter	Complimentary railway lounge access every quarter (2)
Golf Benefits	NA	A complimentary golf round/lesson on every Rs. 50,000 spent in the last year.
Movie Benefits	25% off (max Rs. 100) on purchase of 2 movie tickets via INOX and BookMyShow	25% off (max Rs. 150) on purcahse of 2 movie tickets via INOX and BookMyShow (individually)
Joining Fee	Rs. 500 + Taxes	Rs. 3,000 + Taxes
Renewal Fees	Rs. 500 + Taxes (Can be waived off on spending more than Rs. 1.5 Lakhs in the previous year)	Rs.2,000 + Taxes (Can be waived off on spending over Rs. 3 Lakhs in the previous year)
Eligibility	Issued to salaried and self-employed individuals The primary cardholder should be 23 years or more in age The net income as per ITR must be a minimum of Rs. 5 Lakhs	Can be issued to the salaried individuals between the age of 21 years and 65 years and with an income of more than  Rs. 50,000 per month Can also be issued to the self-employed applicants between the age of 21 years and 65 years and having an income of Rs. 5.5 Lakhs or more

Bottom Line

Both the credit cards by ICICI Bank let you earn decent reward points on almost all of the transactions done using your credit card. While the ICICI Bank Coral Credit Card is considered an entry-level credit card but still provides some great value-added benefits such as domestic lounge access, railway lounge access, discounts on movies and dining, etc in comparison to the joining fee that it charges. While on the other hand, ICICI Bank Rubyx Credit Card is a premium credit card that provides you with great reward points on both your international and domestic spends. Additionally, you can have a comfortable travel experience while you travel by rail or by air as you have complimentary access to lounges at both places. It also provides some exclusive benefits such as insurance covers and concierge services. Both the cards have their individual rewards and benefits and the customer will have to choose from the two on the basis of deals that each credit card offers and which will be comfortably affordable by the customer.