ICICI Bank
ICICI RuPay Credit Card
RuPay cards with UPI linking
RuPay
Annual fee
₹500
Reward rate
4x
Min. income
₹2,40,000
ICICI Bank RuPay credit cards run on RuPay with UPI linking. The entry Coral variant charges Rs 500 joining, Rs 500 annual and earns 2 points per Rs 100 spent.
Fees and charges
- Joining fee: Rs 500 — Entry Coral variant; Rubyx Rs 3,000, Sapphiro Rs 6,500, MakeMyTrip Rs 999 (+GST)
- Annual fee: Rs 500 — Coral variant: spend over Rs 1.5 lakh waives next year’s fee; Rubyx/Sapphiro have separate waiver slabs
- Late payment fee: Rs 100 to Rs 1,300 depending on outstanding slabs
Rewards
- ALL: RuPay landing page: 2 points per Rs 100 on domestic spend and 4 per Rs 100 on international spend; UPI spends earn points per the parent card’s structure
Benefits
- Credit card on UPI: Link the RuPay card to iMobile or third-party UPI apps and pay merchant QR codes (P2M only) while earning reward points
- Fuel surcharge waiver: 1% fuel surcharge waiver at HPCL outlets (as per parent card)
- Spend milestones: Milestone benefits based on annual spends, as per the parent card variant
- Movie offers: 25% off up to Rs 150 on INOX movie tickets, twice a month; BookMyShow offers per variant
- Personal accident cover: Rs 2 lakh personal accident insurance cover (RuPay variants)
Eligibility
- Minimum income: Rs 2,40,000 per annum
- Age: 21-65 years Indian citizens aged 21-65; salaried with Rs 20,000/month income or self-employed with Rs 2,40,000 p.a.; ID, address and income proof (DigiLocker accepted).
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: ICICI Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.