ICICI Bank Coral vs Rubyx Credit Cards — Which One Suits You Best Right Now?

ICICI Bank offers two prominent cards in its Gemstone series — the Coral Credit Card and the Rubyx Credit Card — each aimed at different types of users. The Coral card is positioned as a value-oriented lifestyle and daily spends card, while Rubyx is a more premium offering with higher fees and richer benefits. Key differentiators include fee structure, reward earning rate, travel and lounge perks, and milestone/bonus benefits. For instance, the Coral card typically has a lower joining and annual fee, and offers standard reward­point accrual for everyday transactions. The Rubyx card, with a higher fee, provides enhanced rewards on domestic and international spends, more frequent lounge access, and additional lifestyle privileges like dining discounts, golf rounds, and premium welcome vouchers. Industry watchers note that Coral works well for users with moderate spends who want decent rewards and lounge access, whereas Rubyx makes sense for those with higher spends, travel-intensive lifestyles, and who will utilise premium perks enough to offset the higher cost.