ICICI Coral vs Kotak Royale Signature vs HSBC Smart Value
Side-by-side credit card comparison to help you choose the best one.
Our Pick
Kotak Royale Signature
4.3
Why this card wins: Travel & Entertainment — 4 reward points per ₹150 on all spends
| Feature | ICICI Coral | Kotak Royale Signature | HSBC Smart Value |
|---|---|---|---|
| Bank | ICICI Bank | Kotak Mahindra | HSBC India |
| Card Type | Entry Level | Premium | Cashback |
| Annual Fee | ₹500 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹500 + GST | ₹999 + GST | Nil |
| Rewards | 2 points per ₹100 on all spends | 4 reward points per ₹150 on all spends | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | First Time Users | Travel & Entertainment | Online Shopping |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | 500 reward points on activation | None |
| Min Income | ₹20,000/month | ₹25,000/month | ₹20,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | 8 domestic + 2 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.1 | 4.3 | 4.2 |
| 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
Our Pick
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, Kotak Royale Signature ranks highest among your selected cards. It excels at Travel & Entertainment and offers 4 reward points per ₹150 on all spends.