Coral RuPay Credit Card
Rs 500Annual fee
Rs 1,50,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Offers 1 complimentary domestic airport lounge access per quarter, subject to spending ₹75,000 in the preceding calendar quarter.
- Offers 1 complimentary domestic railway lounge access per quarter (no spends criteria).
- One complimentary domestic railway lounge visit per quarter
3.5%Forex markup
Best for
UPI, Movies, Railway Lounge, Entry Level, Rupay
Top rewards
Other Retail Spends: 2 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; Merchant UPI Spends: 2 Reward Points / ₹100 spent
Sapphiro RuPay Credit Card
Rs 3,500Annual fee
Rs 6,00,000Fee waiver spend
16Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access (4 visits per quarter) requires a minimum spend of ₹75,000 in the previous calendar quarter.
- Complimentary international lounge access (2 visits per calendar year) is provided via Priority Pass or DreamFolks.
3.5%Forex markup
Best for
Premium, Travel, Lounge, Movies, Golf, UPI
Top rewards
International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; UPI Spends: 2 Reward Points / ₹100 spent
| Feature | Coral RuPay Credit Card | Sapphiro RuPay Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 6,500 |
| Annual fee | Rs 500 | Rs 3,500 |
| Fee waiver spend | Rs 1,50,000 | Rs 6,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | UPI, Movies, Railway Lounge, Entry Level, Rupay | Premium, Travel, Lounge, Movies, Golf, UPI |
| Top reward categories | Other Retail Spends: 2 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; Merchant UPI Spends: 2 Reward Points / ₹100 spent | International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; UPI Spends: 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | 16 |
| International lounge | 0 | 2 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 2,000 reward points on spending ₹2,00,000 and 1,000 reward points each time ₹1,00,000 spend is crossed thereafter in an anniversary year, capped at 10,000 points per year | Earn 4,000 Reward Points on spending ₹4 Lakhs in an anniversary year, Earn 2,000 Reward Points for every additional ₹1 Lakh spent in the same anniversary year, Maximum milestone rewards capped at 20,000 Reward Points (on ₹12 Lakhs annual spend) per anniversary year |
| Redemption | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point | SmartBuy travel: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, EMI transactions |