ICICI Coral vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | Standard Chartered |
| Card Type | Entry Level | Super Premium |
| Annual Fee | ₹500 + GST | ₹5,000 + GST |
| Joining Fee | ₹500 + GST | ₹5,000 + GST |
| Rewards | 2 points per ₹100 on all spends | 3.33% rewards value on all spends |
| Best For | First Time Users | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹20,000/month | ₹1,00,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.1 | 4.7 |
| 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
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: ICICI Coral or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Coral and SC Ultimate?
ICICI Coral is cheaper to hold at ₹500 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do ICICI Coral and SC Ultimate offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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