#1₹915/yr
ICICI Coral Credit Card
2 RP/₹100 · UPI & RuPay
Best net value on this list — about ₹915/yr in your pocket after fees on typical spends.
UPI & RuPay·ICICI Bank
For affluent travelers seeking lounge access.
Age 25–60 · From ₹75,000/mo income · Unsecured
Key Benefits
All 11 benefits →All spends
4 RP/₹150
Joining / annual
₹6,500 / ₹3,500
Intl lounge
International + domestic l…
Fee waiver
₹6,00,000
yearly spend
Signup bonus: ₹4,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹1,862/yr after fees. It turns positive around ₹49,999/mo — and at heavy spend (₹65,000/mo) we estimate ₹4,368/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
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Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: ICICI MITC — Sapphiro ₹6,500 joining / ₹3,500 annual, ₹6L waiver
Earn on UPI credit payments via RuPay-linked cards
ICICI offers a Sapphiro RuPay variant with UPI linking. Only the RuPay variant can be linked for UPI credit; Visa/Mastercard variants cannot, so choose RuPay at application.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: ICICI MITC — Sapphiro ₹6,500 joining / ₹3,500 annual, ₹6L waiver
All spends
4 RP/₹150
Joining / annual
₹6,500 / ₹3,500
Fee waiver at
₹6,00,000 annual spend
Lounge access
International + domestic lounge (spend-linked — verify MITC)
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
Forex markup
3.5%
See worked examples of how points convert to cash value
all — 4 pts per ₹150 spend
You spend
₹10,000
You earn
267 pts
Worth ≈
₹93.33
@ ₹0.35/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.35/pt in calculations. Points expire in 36 months if unused.
Based on moderate spend for this market
Est. net annual
-₹1,862
per year
Annual fee
₹4,130
per year
Effective return
-0.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹3,500 · Forex 3.5% — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹6,500
Annual / renewal fee
Waived on ₹6,00,000 annual spend
₹3,500
Forex markup
3.5%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
25–60 years · ₹75,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹2,688/year. After the ₹3,500 annual fee, net value is approximately -₹1,862/year. Use the calculator above to model your own spends.
₹75,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
ICICI Coral Credit Card
2 RP/₹100 · UPI & RuPay
Best net value on this list — about ₹915/yr in your pocket after fees on typical spends.
HDFC Regalia Gold
5 RP/₹200 · UPI & RuPay
Strong runner-up at -₹670/yr net — roughly ₹1,585 behind #1 on the same spend mix.
IDFC FIRST Ashva Credit Card
5X reward points · UPI & RuPay
Worth a look — -₹959/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
