ICICI Bangalore Metro Coral MasterCard Platinum DC vs ICICI Bank Rubyx Credit Card Mastercard : Which is Better in 2026?
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The ICICI Bangalore Metro Coral MasterCard Platinum DC offers minimal benefits, while the ICICI Bank Rubyx Credit Card Mastercard provides a range of rewards and features. This comparison highlights the key differences between these two cards, focusing on rewards, travel benefits, and fees.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | ICICI Bangalore Metro Coral MasterCard Platinum DC | ICICI Bank Rubyx Credit Card Mastercard |
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee - Rs.3000 |
| Annual / renewal fee | — | Second Year Onwards Annual Fee of Rs.2000 |
| Annual fee waiver | — | Spend Rs.3 Lakh For Waiver of Annual Fee |
| Reward rate (headline) | — | Earn 2 Reward Points on Every Rs.100 Domestic Spends |
| Lounge — domestic | — | Enjoy 2 Complimentary Domestic Lounge Access Per Quarter |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefits - Uber Voucher Worth Rs.250 |
| Milestone benefit | — | Earn Upto 15000 Reward Points Every Anniversary Year |
| Foreign currency markup | — | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The ICICI Bank Rubyx Credit Card Mastercard is superior for rewards, offering 2 Reward Points on every Rs.100 spent domestically and 4 Reward Points for international spends. In contrast, the ICICI Bangalore Metro Coral MasterCard Platinum DC does not provide any reward points or cashback options, making it less appealing for those looking to earn rewards on their spending.
Which is better for travel?
For travel benefits, the ICICI Bank Rubyx Credit Card Mastercard stands out with two complimentary domestic lounge accesses per quarter, enhancing the travel experience. The ICICI Bangalore Metro Coral MasterCard Platinum DC lacks any lounge access or travel-related benefits, making it less suitable for frequent travelers.
Which has lower effective cost?
In terms of fees, the ICICI Bank Rubyx Credit Card Mastercard has a joining fee of Rs.3000 and an annual fee of Rs.2000, which can be waived by spending Rs.3 lakh annually. The ICICI Bangalore Metro Coral MasterCard Platinum DC does not specify any fees, but the lack of benefits suggests it may not provide significant value for users.
Who should pick ICICI Bangalore Metro Coral MasterCard Platinum DC?
Consider ICICI Bangalore Metro Coral MasterCard Platinum DC if you prefer a card with no specified fees and minimal complexity. It may suit those who do not require rewards or travel benefits and are looking for a straightforward option.
Who should pick ICICI Bank Rubyx Credit Card Mastercard ?
Consider ICICI Bank Rubyx Credit Card Mastercard if you are looking for a card that offers substantial rewards and travel benefits. It is ideal for users who spend regularly and can take advantage of the rewards program and lounge access.
Frequently Asked Questions
The ICICI Bank Rubyx Credit Card Mastercard has a joining fee of Rs.3000, while the ICICI Bangalore Metro Coral MasterCard Platinum DC does not specify any joining fee.
Yes, the ICICI Bank Rubyx Credit Card Mastercard offers 2 complimentary domestic lounge accesses per quarter, while the ICICI Bangalore Metro Coral MasterCard Platinum DC does not provide any lounge access.
The ICICI Bank Rubyx Credit Card Mastercard allows you to earn 2 Reward Points on every Rs.100 spent domestically and 4 Reward Points on international spends. The ICICI Bangalore Metro Coral MasterCard Platinum DC does not offer any rewards.
The ICICI Bank Rubyx Credit Card Mastercard offers milestone benefits of up to 15000 Reward Points every anniversary year, while the ICICI Bangalore Metro Coral MasterCard Platinum DC does not have any milestone benefits.