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Side-by-Side Comparison|Updated March 2026

ICICI Bank Coral Credit Card vs ICICI Bank Platinum Chip Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank Coral Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Coral Credit CardICICI Bank Platinum Chip Credit Card
Annual Fee₹500Free
Joining Fee₹500Free
Fee Waiver Spend₹1,50,000N/A
Base Reward Rate0.5%0.125%
Reward CurrencyICICI Bank Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6.8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Coral Credit Card

  • 0% on iShop Spends

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

ICICI Bank Coral Credit Card

Pros

  • Earn 2 reward points for every ₹100 spent on retail (except fuel).
  • 25% discount up to ₹100 on BookMyShow and INOX twice a month.
  • Complimentary domestic airport and railway lounge access every quarter.
  • Milestone bonus of up to 10,000 reward points per year.

Cons

  • Lounge access requires a high quarterly spend of ₹75,000.
  • Movie benefits now require a minimum quarterly spend of ₹25,000.
  • Low reward redemption value of ₹0.25 per point.

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

Both ICICI Bank Coral Credit Card and ICICI Bank Platinum Chip Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose ICICI Bank Coral Credit Card if

Low annual fee and easy fee waiver with basic lifestyle perks.

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: ICICI Bank Coral Credit Card or ICICI Bank Platinum Chip Credit Card?
Both ICICI Bank Coral Credit Card and ICICI Bank Platinum Chip Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between ICICI Bank Coral Credit Card and ICICI Bank Platinum Chip Credit Card?
ICICI Bank Coral Credit Card has an annual fee of ₹500, while ICICI Bank Platinum Chip Credit Card has no annual fee. ICICI Bank Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: ICICI Bank Coral Credit Card or ICICI Bank Platinum Chip Credit Card?
ICICI Bank Coral Credit Card offers a base reward rate of 0.5% with accelerated rewards on iShop Spends. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Coral Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Coral Credit Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Coral Credit Card or ICICI Bank Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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