ICICI Rupay Credit Card: Features, Fees, Eligibility & More

Below are the detailed features, benefits and fees of the top ICICI Rupay Credit Cards.

MakeMyTrip ICICI Credit Card (Rupay)

One of the most popular travel cards in India, the MakeMyTrip ICICI Credit Card is also available in Rupay variant. Cardholders can earn accelerated rewards on MMT spends along with base rate on other retail transactions including UPI. Details are given below:

Joining/Annual Fee: Rs. 999 + Taxes

Key Features:

• Complimentary MMT Black Gold membership
• MakeMyTrip vouchers worth Rs. 1,000 each on payment of joining and annual fee
• 6% back on hotel bookings and 3% back on flights, bus and cab bookings through MakeMyTrip (value-back offered as MyCash)
• 1% back on other retail and UPI transactions
• 2 complimentary domestic lounge visits per quarter
• 1 complimentary international lounge visit in a year
• Low forex mark-up fee of 0.99%
• Movie discount worth Rs. 300 per month through INOX and BookMyShow

ICICI HPCL Super Saver Rupay Credit Card

A co-branded fuel card, ICICI HPCL Super Saver Rupay Card offers up to 5% savings on HPCL fuel spends, along with savings on some practical everyday categories. Read on to know the features of this card:

Joining/Annual Fee: Rs. 500 + Taxes

Key Features:

• 2,000 reward points as joining benefit
• 5% saving on HPCL fuel spends in the form of cashback and fuel surcharge waiver
• 5% back on mobile bills, electricity bills and departmental store spends
• 2 reward points per Rs. 100 spent on other eligible categories
• Additional 1.5% savings as reward points on the HP Pay app
• Savings of Rs. 200 per month each on INOX and BookMyShow
• 1 complimentary domestic lounge visit every quarter on meeting spending threshold of Rs. 75,000 in the previous quarter

ICICI Coral Rupay Credit Card

ICICI Coral is an entry-level card offering reward points across all spends. Here are the features and benefits of this card:

Joining Fee: Rs. 500 + Taxes

Key Features:

• 2 reward points per Rs. 100 on all retail spends
• 1 reward point per Rs. 100 on utility and insurance spends
• 2,000 bonus rewards on spending Rs. 2 Lakh in a year
• 1,000 bonus rewards on every additional spend of Rs. 1 Lakh in the year
• 1 domestic lounge visit per quarter on spending Rs. 75,000 in the previous quarter
• 4 railway lounge visits in a year
• Up to Rs. 400 off per month on movie tickets booked via INOX and BookMyShow
• 1% fuel surcharge waiver

ICICI Rubyx Rupay Credit Card

ICICI Rubyx Credit Card is a mid-range option from ICICI Bank covering multiple spending categories like shopping, travel, and even insurance and utilities. Here are the key features of this card:

Joining Fee: Rs. 3,000 + Taxes
Annual Fee: Rs. 2,000 + Taxes

Key Features:

• Vouchers worth Rs. 5,250 from Croma, Uber, Tata CLiQ, and more on joining fee payment
• 4 reward points per Rs. 100 spent internationally and 2 reward points per Rs. 100 spent domestically
• 1 reward point per Rs. 100 on utility and insurance spends
• 2 complimentary domestic lounge visits per quarter on spending Rs. 75,000 or more in the previous quarter
• 8 complimentary railway lounge visits every year
• 3,000 bonus reward points on annual spends of Rs. 3 Lakh and 1,500 additional rewards on spending another Rs. 1 Lakh
• Up to Rs. 300 off on movie tickets twice every month through BookMyShow and INOX
• Up to 2 free golf rounds per month on monthly spending threshold of Rs. 50,000

ICICI Sapphiro Rupay Credit Card

ICICI Sapphiro has long stood as one of the popular all-rounder cards offering benefits across travel, rewards, lounge access, movies and more. Here are the detailed features:

Joining Fee: Rs. 6,500 + Taxes
Annual Fee: Rs. 3,500 + Taxes

Key Features:

• Vouchers worth Rs. 9,000 from Uber, Tata CLiQ, and more on joining fee payment
• 4 reward points per Rs. 100 spent internationally and 2 reward points per Rs. 100 spent domestically
• 1 reward point per Rs. 100 on utility and insurance spends
• 4 complimentary domestic lounge visits per quarter on spending Rs. 75,000 or more in the previous quarter
• 2 complimentary international lounge visits every year through Priority Pass
• 4,000 bonus reward points on annual spends of Rs. 4 Lakh and 2,000 additional rewards on spending another Rs. 1 Lakh
• Up to Rs. 500 off on movie tickets twice every month
• Up to 4 free golf rounds per month on meeting spending thresholds

Click here for the most important terms and conditions related to ICICI Bank Credit Card fees and charges.

Eligibility Criteria for ICICI Rupay Credit Cards

The eligibility criteria for ICICI Rupay Credit Cards may vary as per the card variant and other internal policies of the bank. However, here are some common eligibility terms applicable to ICICI Rupay Credit Cards:

Documents Required for ICICI Rupay Credit Cards

If you have pre-approved offer from ICICI Bank for Rupay Credit Cards, you may not be required to submit any documents. However, the bank may require some applicants to submit KYC documents and income proof. The list of acceptable documents is given below:

Note: This list is indicative; ICICI Bank may ask for other documents on case-to-case basis.

You can apply for select Rupay credit cards through Paisabazaar by following the simple process given below:

• Visit Paisabazaar and navigate to the Credit Cards section.
• Enter your mobile number and complete the OTP verification.
• Fill in the required details to check your eligible credit card offers.
• Browse through the list and select your preferred RuPay Credit Card.
• Complete the application form and submit it online.
• Once submitted, your application will be reviewed by the issuer, and if approved, you will receive your card within 7–10 working days.

Note that application process may be slightly different for pre-qualified customers.

You can also apply for ICICI Rupay Credit Cards directly through ICICI Bank’s official website or by visiting the nearest ICICI Bank branch. Existing ICICI Bank customers would have better chances of approval.

If you are not eligible for ICICI Rupay Credit Cards, you can consider the following credit cards available on the Rupay network.

Tata Neu Infinity HDFC Bank Credit Card

3.5_/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

Up to 10% value-back on Tata Neu spends

8 domestic and 4 international Priority Pass lounge access per year

Shopping

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Product Details

• 5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
• Additional 5% NeuCoins on select spends at Tata Neu app/website
• 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
• 1,499 NeuCoins after the first spend within 30 days of card issuance
• Low forex markup fee of 2%

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YES BANK Paisabazaar PaisaSave Credit Card

4_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

6% cashback on travel and dining spends

Unlimited 1% cashback on all other spends, including UPI

Travel

Dining

Cashback

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Product Details

• 6% cashback is capped at Rs. 3,000 per month, post which 1% cashback will apply
• Earned reward points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
• Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
• 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000

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Myntra Kotak Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% off up to Rs. 750 per transaction on Myntra

Unlimited 1.25% cashback on other spends

Movies

Cashback

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Product Details

• 7.5% off up to Rs. 750 per transaction on Myntra
• 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
• 1.25% cashback across all other transactions
• 2 complimentary PVR tickets of Rs. 250 each on Rs. 50,000 quarterly spends
• 1% fuel surcharge waiver of up to Rs. 3,500 in a year on fuel spends of Rs.500 to Rs. 3,000

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HDFC Bank UPI RuPay Credit Card

3_/5

Joining fee: ₹99

Annual/Renewal Fee: ₹99

Up to 3% CashPoints on card spends, including UPI transactions

Gift voucher worth Rs. 250 as welcome bonus

Shopping

Rewards

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Product Details

• 3% CashPoints, up to 500 points per month, on PayZapp, groceries, supermarket &dining spends
• 2% CashPoints, up to 500 points per month, on utility spends
• 1% CashPoints, up to 500 points per month, on other spends
• Annual fee waived off on reaching Rs. 25,000 annual spends

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HDFC MoneyBack+ Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

Gift vouchers worth Rs. 2,000 every year

Shopping

Rewards

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Product Details

• 2 CashPoints per Rs. 150 spent on other categories
• 500 CashPoints as welcome benefit after the payment of joining fee
• Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits

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Ixigo AU Credit Card

3.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

10% discount on travel bookings at Ixigo

Up to 10 reward points per Rs. 200 spent

Travel

Lifetime Free

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Product Details

• 10% discount on bus bookings, max. Rs. 300 once per month via Ixigo
• 10% discount on flight bookings, up to Rs. 1,000 once per month via Ixigo
• 10% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
• Zero forex markup fee
• 16 free visits to domestic airport and railway lounges and 1 free visit to international airport lounge per year

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IDFC FIRST Power+ Credit Card

4_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

Up to 8.83% savings on travel spends through IDFC FIRST mobile app

Rewards

Fuel

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Product Details

• 30 rewards per Rs. 150 spent on HPCL fuel & LPG; 6 Happy Coins per Rs. 100 spent on HP Pay app
• 30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag
• 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
• 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
• 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends

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IRCTC SBI Platinum Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% value-back on railway ticket bookings

350 bonus reward points on card activation

Travel

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Product Details

• 350 reward points worth Rs. 350 on card activation after a transaction of min. Rs. 500 within the first 60 days
• 10% value-back through reward points upon booking AC1, AC2, AC3, ECC and Chair Car tickets via IRCTC website
• 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases via IRCTC
• 4 complimentary railway lounge access in a year
• Waiver of 1% transaction charge on railway ticket bookings

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IndusInd Bank Platinum Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

1.5 reward points for every Rs. 150 spent

Rewards

Check Eligibility

Product Details

• 1.5 reward points for every Rs. 150 spent
• Complimentary vouchers of brands like The Postcard Hotel, Montblanc, Amazon, Flipkart as welcome benefit
• 1% fuel surcharge waiver across all petrol pumps

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