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Credit CardsComparisons

AU Bank Spont Credit Card vs ICICI Coral RuPay Credit Card

A head-to-head comparison of AU Bank Spont Credit Card and ICICI Coral RuPay Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A

AU Bank Spont Credit Card

Everyday UPI & Offline Spenders

Annual Fee
₹299
Reward Rate
1% cashback on all UPI + POS spends (capped ₹500/month)
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RuPay & UPICard B

ICICI Coral RuPay Credit Card

Everyday UPI & Bank Offers

Annual Fee
₹500
Reward Rate
2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)
Apply Now Read full review →

Feature comparison

FeatureAU BankICICI Coral
Annual Fee₹299 + GST₹500 (Waived on ₹1.5L spend)
Reward Rate1% cashback on all UPI + POS spends (capped ₹500/month)2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)
Best ForEveryday UPI & Offline SpendersEveryday UPI & Bank Offers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankICICI Coral
UPI payments
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Spont Credit Card if:

  • Lower annual fee (₹299 vs ₹500)
  • You spend heavily on everyday spending

Choose ICICI Coral RuPay Credit Card if:

    Full pros & cons

    AU Bank Spont Credit Card

    What's good
    • 1% cashback on all eligible UPI and POS transactions — no category tracking needed
    • Very low income requirement: ₹10,000/month salaried — one of India's most accessible credit cards
    • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
    • Works with all UPI apps (PhonePe, Google Pay, BHIM) for QR scan-and-pay
    Watch out for
    • ₹500/month cashback cap limits returns for high-spend users (max ₹6,000/year)
    • Lounge access requires ₹50,000 spend in the previous quarter — steep for a ₹299 card
    • 3.49% forex markup — purely a domestic card; avoid for international use
    • Zero rewards on fuel, rent, education, government, insurance, EMI, and BBPS payments
    Apply Now

    ICICI Coral RuPay Credit Card

    What's good
    • Seamless UPI integration for daily merchant scans
    • 1 complimentary domestic lounge visit per quarter
    • Unlocks ICICI bank discount days on Amazon/Flipkart
    Watch out for
    • Very low base reward rate — 0.5% effective (₹0.25 per PAYBACK point)
    • Lounge access requires ₹75,000 spend in the previous quarter (revised from ₹35,000)
    Apply Now
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