ICICI Coral vs PNB Rupay Platinum
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 | Punjab National Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹500 + GST | ₹299 + GST |
| Joining Fee | ₹500 + GST | ₹99 + GST |
| Rewards | 2 points per ₹100 on all spends | 2 reward points per ₹100 on all spends |
| Best For | First Time Users | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹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-₹4,000 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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 PNB Rupay Platinum?
ICICI Coral has the higher CardKhoj rating (4.1/5) and is best for first time users. PNB Rupay Platinum 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 PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹500 + GST for ICICI Coral.
Do ICICI Coral and PNB Rupay Platinum offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). PNB Rupay Platinum: 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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