ICICI Coral vs ICICI Platinum Chip
Side-by-side credit card comparison to help you choose the best one.
ICICI Coral
Why this card wins: First Time Users — 2 points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹500 + GST | ₹199 + GST |
| Joining Fee | ₹500 + GST | ₹199 + GST |
| Rewards | 2 points per ₹100 on all spends | 2 PAYBACK points per ₹100 on all spends |
| Best For | First Time Users | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | None | None |
| Min Income | ₹20,000/month | ₹12,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.1 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
Verdict
Based on rating and overall value, ICICI Coral ranks highest among your selected cards. It excels at First Time Users and offers 2 points per ₹100 on all spends.
Frequently asked questions
Which is better: ICICI Coral or ICICI Platinum Chip?
ICICI Coral has the higher CardKhoj rating (4.1/5) and is best for first time users. ICICI Platinum Chip is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Coral and ICICI Platinum Chip?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹500 + GST for ICICI Coral.
Do ICICI Coral and ICICI Platinum Chip offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). ICICI Platinum Chip: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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