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Coral RuPay or Rubyx?

  • Thread starter Thread starter Pravnz
  • Start date Start date
  • Replies Replies 24
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I currently have Coral Visa LTF. My question is should I go for Rubyx LTF (which I am eligible) or convert the current Coral Visa to Rupay? which one would be more beneficial?
My spending is mostly around online purchases, grocery and utilities. I use ICICI card only during offers in Amazon or Flipkart and in normal days I use my SBI Cashback CC or HDFC Millennia.
 
Guys, is icici even issuing coral Rupay right now? Customer service told me “No”. I am struggling to get a god damn Coral Rupay!!
Look how it appears on the website as well!
 

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I currently have Coral Visa LTF. My question is should I go for Rubyx LTF (which I am eligible) or convert the current Coral Visa to Rupay? which one would be more beneficial?
My spending is mostly around online purchases, grocery and utilities. I use ICICI card only during offers in Amazon or Flipkart and in normal days I use my SBI Cashback CC or HDFC Millennia.
Get Rubyx LTF. You can get Rupay with BOB Premiere LTF. ICICI has got just 2 cards above Rubyx so upgrade would be easier. Don’t skip Rubyx just for Rupay.
 
Also, note: AFAIK, ICICI, SBI, HSBC, AMEX has no concept of upgrading cards, they'll give cards you have to choose which one open and which one closed, there is no concept of transferring data from old card to new card (everything is new card).

What I experieced about SBI when I upgraded and then downgraded my card, my data that is Credit Limit and Reward Points carry forwarded by SBI. So the data remain intact for me which I found good for SBI Cards.
 
I just got offer for Lifetime free Rubyx Rupay. Thinking if I should go for it or not considering I am looking to get Sapphiro LTF in future as I already hold LTF Sapphiro (Amex + MC + visa) under alumni program. Currently getting rubyx rupay cc with 6L limit whereas my current sapphiro cards are at 5.5L Limit.

Any suggestions??
Note: I do use UPI for 150-200rs transaction almost daily and currently I have zero UPI/Rupay cards in my portfolio.
On my iMobile app I was only getting LTF coral rupay CC under rupay credit card but online when I checked, I am able to see rubyx LTF also.

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Go ahead, take it up, you can request for a variant change for your sapphiro as well
I just got offer for Lifetime free Rubyx Rupay. Thinking if I should go for it or not considering I am looking to get Sapphiro LTF in future as I already hold LTF Sapphiro (Amex + MC + visa) under alumni program. Currently getting rubyx rupay cc with 6L limit whereas my current sapphiro cards are at 5.5L Limit.

Any suggestions??
Note: I do use UPI for 150-200rs transaction almost daily and currently I have zero UPI/Rupay cards in my portfolio.
On my iMobile app I was only getting LTF coral rupay CC under rupay credit card but online when I checked, I am able to see rubyx LTF also.

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