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Side-by-Side Comparison|Updated March 2026

ICICI Bank Coral Credit Card against Fixed Deposit vs ICICI Bank Rubyx Credit Card against Fixed Deposit

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank Coral Credit Card against Fixed Deposit

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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ICICI Bank

ICICI Bank Rubyx Credit Card against Fixed Deposit

7.2/10
Annual Fee₹2,000
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureICICI Bank Coral Credit Card against Fixed DepositICICI Bank Rubyx Credit Card against Fixed Deposit
Annual Fee₹500₹2,000
Joining Fee₹500₹3,000
Fee Waiver Spend₹1,50,000₹3,00,000
Base Reward Rate0.5%0.25%
Reward CurrencyICICI Bank Reward PointsICICI Bank Reward Points
NetworkVisaMastercard
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Coral Credit Card against Fixed Deposit

  • 0% on Dining
  • 0% on Groceries
  • 0% on Supermarkets

ICICI Bank Rubyx Credit Card against Fixed Deposit

No accelerated rewards listed

Pros & Cons

ICICI Bank Coral Credit Card against Fixed Deposit

Pros

  • No income proof or credit history required for issuance.
  • Earn 2 reward points per ₹100 on retail spends and 4 points on dining/groceries.
  • Complimentary domestic airport and railway lounge access (subject to spend criteria).
  • 25% discount on movie tickets via BookMyShow and INOX twice a month.

Cons

  • High spend requirement (₹75,000/quarter) to unlock lounge benefits.
  • Joining and annual fees apply, unlike some other secured cards.
  • Reward rate is relatively low compared to premium unsecured cards.

ICICI Bank Rubyx Credit Card against Fixed Deposit

Pros

  • Welcome vouchers worth ₹5,000+ on payment of joining fee, exceeding the fee cost.
  • 2 complimentary domestic airport lounge visits per quarter (subject to ₹75,000 spend).
  • 25% discount on movie tickets (BookMyShow/Inox) up to ₹150, twice a month.
  • Complimentary golf rounds (up to 2 per month) based on previous month's spends.

Cons

  • High joining fee of ₹3,000 for a secured credit card.
  • No international airport lounge access included.
  • Low base reward rate of 0.50% for domestic spends.

Our Verdict

Both ICICI Bank Coral Credit Card against Fixed Deposit and ICICI Bank Rubyx Credit Card against Fixed Deposit are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose ICICI Bank Coral Credit Card against Fixed Deposit if

Ideal for individuals with no credit history or low scores to build a credit profile using an FD.

Choose ICICI Bank Rubyx Credit Card against Fixed Deposit if

Ideal for individuals with no credit history who want a premium lifestyle card without income proof.

Frequently Asked Questions

Which is better: ICICI Bank Coral Credit Card against Fixed Deposit or ICICI Bank Rubyx Credit Card against Fixed Deposit?
Both ICICI Bank Coral Credit Card against Fixed Deposit and ICICI Bank Rubyx Credit Card against Fixed Deposit are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between ICICI Bank Coral Credit Card against Fixed Deposit and ICICI Bank Rubyx Credit Card against Fixed Deposit?
ICICI Bank Coral Credit Card against Fixed Deposit has an annual fee of ₹500, while ICICI Bank Rubyx Credit Card against Fixed Deposit has an annual fee of ₹2,000. ICICI Bank Coral Credit Card against Fixed Deposit offers a fee waiver on ₹1,50,000 annual spend. ICICI Bank Rubyx Credit Card against Fixed Deposit offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: ICICI Bank Coral Credit Card against Fixed Deposit or ICICI Bank Rubyx Credit Card against Fixed Deposit?
ICICI Bank Coral Credit Card against Fixed Deposit offers a base reward rate of 0.5% with accelerated rewards on Dining and Groceries. ICICI Bank Rubyx Credit Card against Fixed Deposit offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Coral Credit Card against Fixed Deposit and ICICI Bank Rubyx Credit Card against Fixed Deposit?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Coral Credit Card against Fixed Deposit and ICICI Bank Rubyx Credit Card against Fixed Deposit can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Coral Credit Card against Fixed Deposit or ICICI Bank Rubyx Credit Card against Fixed Deposit?
For beginners, ICICI Bank Coral Credit Card against Fixed Deposit may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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