ICICI Bank RuPay Credit Cards

ICICI Bank, which was incorporated in 1994 and is headquartered in Mumbai, is one of the top five private-sector banks in India. It provides a number of financial products and services, including credit cards, to meet customers’ needs. The credit cards offered by ICICI Bank are acknowledged for their features, rewards, and benefits, making them popular choices among consumers. ICICI Bank has made a strong presence in the Indian banking industry due to its commitment to making a memorable banking experience for its customers.

RuPay is a domestic payment network in India that offers consumers a variety of credit card options. ICICI Bank’s RuPay credit cards stand out as an attractive choice for people seeking benefits from using their credit cards. ICICI Bank’s RuPay credit cards offer rewards, discounts, and perks in categories such as dining, entertainment, travel, and fuel purchases. The cards also come with nominal joining and renewal fees, which make them accessible to the common man. ICICI Bank’s RuPay credit cards offer customers the chance to enjoy exclusive benefits and rewards.

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List of ICICI Bank RuPay Credit Cards

ICICI Bank has currently has three RuPay credit cards namely the Coral RuPay, HPCL Super Saver RuPay and the Rubyx RuPay Credit Card.

Compare Features of ICICI RuPay Credit Cards

The table below will compare the three cards on the basis of their joining fee, reward rate, welcome benefits, and some more features.

Features	ICICI Bank Coral Credit Card	ICICI Bank HPCL Super Saver Credit Card	ICICI Bank Rubyx Credit Card
Joining Fee	₹500 + GST	₹500 + GST	₹3,000 + GST
Best Suited For	Movies/ Dining	Fuel/ Shopping	Travel
Reward Rate	1 RP for every ₹100 spent on utilities and insurance 2 RP for every ₹100 spent elsewhere	4% cashback on fuel spends at HPCL pumps 5% cashback as RPs on departmental store spends & utility purchases 2 RP per ₹100 spent on all other domestic and international transactions.	4 RP for every ₹100 spent on international spends 2 RP for every ₹100 spent on domestic spends 1 RP for every ₹100 spent on utilities and insurance
Welcome Benefits	N/A	2,000 bonus RP on paying the membership fee within two months ₹100 cashback on the HP Pay app on the first fuel purchase	Shopping and travel vouchers worth ₹5,000
Milestone Benefits	2,000 RP on spending ₹2 lakh 1,000 RP on spending ₹1 lakh	N/A	3,000 RP on spending ₹3 lakh 1,500 RP on spending ₹1 lakh
Movies/ Entertainment	25% off up to ₹100 on movie tickets via BookMyShow 15% discount on dining	25% discount up to ₹100 on movie tickets on BookMyShow and PVR INOX movies Discounts at partner restaurants under the ICICI Bank Culinary Treats Programme	25% discount on movie ticket bookings on BookMyShow and PVR INOX Discount on dining bills with the Culinary Treats Program
Travel Benefits	One domestic airport lounge access every quarter on spending ₹35,000 in the previous quarter	One domestic airport lounge access every quarter under the Visa Domestic Lounge Program on spending ₹35,000 in the previous quarter	Two domestic airport lounge access every quarter spending ₹35,000 in the previous quarter Two railway lounge access per quarter

Information About ICICI RuPay Credit Cards

MakeMyTrip ICICI Bank Credit Card

The MakeMyTrip ICICI Bank Credit Card is great for travel lovers, especially those who use MakeMyTrip for flights and hotels. It has an annual fee of ₹999 along with taxes, which is quite reasonable given the benefits. As a welcome gift, cardholders receive a ₹1,000 voucher for MakeMyTrip and a complimentary MMTBLACK Gold Membership for a year. This membership offers extra discounts on bookings.

Cardholders earn rewards as myCash for their spending: 6 myCash for every ₹200 on hotel bookings and 3 myCash for flights, buses, and cabs. They enjoy eight complimentary domestic lounge visits each year and one international lounge visit annually with this card. Another feature is the low foreign transaction fee of 0.99%, helping users to make transactions internationally without any worry. You can waive the annual fee by spending ₹3 lakhs in a year, making it accessible for frequent travelers.

ICICI Bank Coral Credit Card

The ICICI Coral Credit Card is a popular choice for people who are seeking rewards and offers in the categories of dining, entertainment, and travel. With a joining fee of ₹500 plus taxes, cardholders can earn up to 2 Reward Points for every transaction of ₹100, which are redeemable across a wide range of categories and products. The card allows the cardholders to earn up to 10,000 bonus Reward Points annually through its milestone program. Cardholders can also enjoy benefits such as discounts on movie tickets at PVR INOX and BookMyShow, as well as complimentary domestic airport and railway lounge access every quarter. The card provides a spend-based waiver, fuel surcharge waiver, and attractive dining offers through the ICICI Bank Culinary Treats Programme. This card is best suited for people who are interested in movies and dining, offering rewards in the form of reward points that can be redeemed for cash or vouchers.

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank and Hindustan Petroleum Corporation Limited have joined hands and launched the ICICI Bank HPCL Super Saver Credit Card, designed specifically for people who want to save money on fuel transactions. What makes this card popular is that it offers benefits not only on fuel purchases but also on various other categories. With a joining fee of ₹500 plus taxes, this card provides a range of perks, including a welcome bonus of 2,000 Reward Points upon payment of the membership fee within 2 months and spending ₹5,000 in the first 45 days, and also enjoy a cashback of ₹100 on the HP Pay app when making their first fuel transaction. The card also offers fuel savings of up to 5% at HPCL pumps, including 4% cashback and 1 % fuel surcharge waiver. It also includes benefits such as complimentary domestic airport lounge access, discounts on movie tickets, and dining. The ICICI Bank HPCL Super Saver Credit Card is a great choice for those looking to save on their everyday expenses.

ICICI Bank Rubyx Credit Card

The ICICI Rubyx Credit Card is a high-in-demand card that offers various benefits in different categories. The card has a joining fee of ₹3,000 plus taxes and a renewal fee of ₹2,000 plus taxes, which can be easily waived on spending ₹3 lakhs or more in the previous year. It provides welcome vouchers worth ₹5,000 or more for travel and shopping. With this card, you can earn Reward Points on both domestic and international spending, which can be easily redeemed for cash or gift vouchers. The card also offers lifestyle benefits such as discounts on dining and movie tickets, as well as travel perks, including domestic railway and airport lounge access. With features like these, the ICICI Bank Rubyx Credit Card is best suited for those who enjoy travel, entertainment, and earning rewards on every transaction they make.

Benefits of Having an ICICI RuPay Credit Card

The benefits mentioned below make the ICICI RuPay Credit Card beneficial and the biggest reason it is preferred by many.

UPI Payments

Cardholders can easily link their ICICI RuPay credit cards with UPI apps like Google Pay, Paytm, PhonePe, etc, and make quick and hassle-free transactions.

Reward Points

Users can earn reward points on every transaction, which they can redeem for cashback or vouchers.

Accepted Globally

The RuPay credit cards from ICICI Bank are widely accepted so that you can make transactions without worry.

Category-specific Rewards

With the ICICI RuPay credit cards, users earn higher rewards on specific categories, such as fuel, dining, entertainment, and travel expenses.

Eligibility Criteria for ICICI RuPay Credit Card

The eligibility criteria for the ICICI RuPay credit cards are as follows:

• The minimum age of the applicant must be 21 years.
• Proof of identity, address, and income are required for the application.
• The applicant should have a stable source of income.
• The applicant should have a decent credit score.

Conclusion

ICICI Bank’s RuPay credit cards offer a number of benefits. Whether it’s dining, fuel purchases, or travel, there is a credit card for everyone, which suits the various needs of its users. The ICICI Bank Coral Credit Card is best for those who enjoy dining and entertainment, offering access to airport and railway lounges. On the other hand, the ICICI Bank HPCL Super Saver Credit Card is a great choice for people who are looking to save on fuel transactions while also enjoying benefits across other categories. Then there is the ICICI Bank Rubyx Credit Card, which is best suited for travelers because of its travel and shopping vouchers. With nominal fees and a good number of perks, ICICI Bank’s RuPay credit cards offer great benefits for people who want to make the most of their RuPay credit cards.