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Credit CardsComparisons

ICICI Coral RuPay Credit Card vs Kiwi RuPay Credit Card

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

RuPay & UPICard A

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)
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RuPay & UPICard B

Kiwi RuPay Credit Card

UPI-First Spenders

Annual Fee
Lifetime Free
Reward Rate
1.5% on UPI Scan & Pay
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Feature comparison

FeatureICICI CoralKiwi RuPay
Annual Fee₹500 (Waived on ₹1.5L spend)Lifetime Free
Reward Rate2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)1.5% on UPI Scan & Pay
Best ForEveryday UPI & Bank OffersUPI-First Spenders
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryICICI CoralKiwi RuPay
UPI payments
Airport lounge access

Quick verdict

Choose ICICI Coral RuPay Credit Card if:

  • You spend heavily on airport lounge access

Choose Kiwi RuPay Credit Card if:

  • Lower annual fee (₹Nil vs ₹500)

Full pros & cons

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)
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Kiwi RuPay Credit Card

What's good
  • 1.5% base cashback on UPI scan & pay — no annual fee, no spend requirement
  • Up to 5% cashback with Kiwi Neon (₹999/year) after ₹1.5L annual milestone spend
  • Instant virtual card issuance via YES Bank or AU Small Finance Bank — no income proof needed
Watch out for
  • Monthly cashback capped at 1% of credit limit (e.g., ₹500/month on ₹50K limit)
  • Online transactions earn only 0.5% cashback — designed primarily for offline UPI scans
  • No rewards on utilities, fuel, rent, insurance, telecom, education, jewelry, and government payments
Apply Now
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