Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
ICICI Bank Coral RuPay Credit Card vs OneCard Metal Credit Card for ₹30,000 Monthly Spend
Comparing ICICI Bank Coral RuPay Credit Card vs OneCard Metal Credit Card at ₹30,000/month. OneCard Metal Credit Card wins, delivering ₹2,210 net annual value (0.61% ROI) vs ₹1,629 for ICICI Bank Coral RuPay Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹30,000(₹3,60,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹30,000/mo+ ₹581/yr Higher Value
OneCard Metal Credit Card
Delivers ₹2,210 net annual returns (0.61% ROI) vs ₹1,629 on ICICI Bank Coral RuPay Credit Card.
Card A
ICICI Bank Coral RuPay Credit Card
ICICI Bank
₹1,629Net Annual Benefit
Gross Rewards:₹1,629/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.45%
Fee Waiver Progress (1.5L target):100%
Card B
OneCard Metal Credit Card
Federal Bank
₹2,210Net Annual Benefit
Gross Rewards:₹2,210/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.61%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,600/year Extra YieldPair OneCard Metal Credit Card + HSBC Live+ Credit Card
Pair OneCard Metal Credit Card with HSBC Live+ Credit Card to capture up to ₹3,600/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹30,000/mo)
| Spend Category | Monthly Spend | ICICI Bank Coral RuPay Credit Card | OneCard Metal Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹7,500/mo | ₹38 (0.5%) | ₹75 (1%) |
| Scan & Pay Merchant UPI | ₹4,500/mo | ₹23 (0.5%) | ₹9 (0.2%) |
| Electricity, Water, Gas & Broadband Bills | ₹3,600/mo | ₹9 (0.25%) | ₹7 (0.2%) |
| Swiggy, Zomato & Dining Out | ₹3,600/mo | ₹36 (1%) | ₹36 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹3,000/mo | ₹15 (0.5%) | ₹30 (1%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver at HPCL petrol pumps | ₹2,400/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹2,400/mo | ₹12 (0.5%) | ₹24 (1%) |
| LIC, Health & Term Insurance Premiums | ₹1,500/mo | ₹4 (0.25%) | ₹3 (0.2%) |
| House Rent & School/College Fees1% fee on rental transactions; zero reward points | ₹1,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.5%) | ₹0 (1%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹3,60,000/yr | +₹1,629 | +₹2,210 |
Frequently Asked Questions
Which card is better between ICICI Bank Coral RuPay Credit Card and OneCard Metal Credit Card for ₹30,000/month?▼
At ₹30,000/month (₹360,000/year), OneCard Metal Credit Card mathematically outperforms ICICI Bank Coral RuPay Credit Card by ₹581/year. OneCard Metal Credit Card delivers ₹2,210 net annual benefit (0.61% effective yield), while ICICI Bank Coral RuPay Credit Card returns ₹1,629 (0.45% effective yield).
Will the annual fee be waived at ₹30,000 monthly spend?▼
On an annual spend of ₹360,000: ICICI Bank Coral RuPay Credit Card annual fee is waived (₹0). OneCard Metal Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, ICICI Bank Coral RuPay Credit Card loses ₹0/year to monthly cashback caps, while OneCard Metal Credit Card loses ₹0/year. ICICI Bank Coral RuPay Credit Card remains uncapped at this spend. OneCard Metal Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between ICICI Bank Coral RuPay Credit Card and OneCard Metal Credit Card?▼
OneCard Metal Credit Card maintains superior net value across all standard monthly spend brackets between ₹15,000 and ₹2,00,000.