Cardfare / What changed / ICICI caps rewards on transport spends

ICICI caps rewards on transport spends

Transport-category spends (rail, local transit, bus and tolls) now earn points only on the first ₹20,000 a month on Rubyx, Sapphiro and Emeralde, and ₹10,000 on Coral, Platinum and other cards. Emeralde Metal also stopped earning on government, fuel, rent, tax and wallet spends, and HPCL Super Saver insurance rewards are capped at ₹40,000 of spend.

Cards affected

ICICI Bank Rubyx Credit Card, ICICI Bank Sapphiro Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Coral Credit Card

Source

The updated rules will be rolled out in phases between January and February 2026.

Business Today · Bank notice

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More from ICICI Bank

• CutICICI Bank· since 1 April 2026

  ICICI BookMyShow offers now need ₹25,000 spend in the prior quarter

  BookMyShow benefits on Coral, Rubyx, Sapphiro, Emeralde and other eligible ICICI cards unlock only after ₹25,000 of spend in the previous spend quarter. Instant Platinum cards lost the benefit altogether.

  Cards: ICICI Bank Coral Credit Card, ICICI Bank Rubyx Credit Card, ICICI Bank Sapphiro Credit Card, ICICI Bank Emeralde Credit Card

  Source: ICICI Bank – Upcoming changes page

• New feeICICI Bank· since 15 January 2026

  ICICI adds fees on gaming, wallet loads and big transport spends; revises DCC

  ICICI charges 2% on skill-gaming platforms, 1% on wallet loads of ₹5,000 or more, and 1% on transport-category transactions above ₹50,000. DCC markups were revised to 3.5% on most cards, 2% on Emeralde variants, 1.99% on Amazon Pay and 0.99% on MakeMyTrip Travel.

  Applies across ICICI Bank's cards

  Source: Business Today