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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity Credit Card vs ICICI Bank NRI Coral 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 Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
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ICICI Bank

ICICI Bank NRI Coral Credit Card

7/10
Annual Fee₹500
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Platinum Identity Credit CardICICI Bank NRI Coral Credit Card
Annual Fee₹750₹500
Joining Fee₹2,000₹1,000
Fee Waiver Spend₹2,00,000₹1,50,000
Base Reward Rate0.25%0.125%
Reward CurrencyHand-picked RewardsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7/107/10
Forex Markup3.5%3.5%

Pros & Cons

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

ICICI Bank NRI Coral Credit Card

Pros

  • Earn 2 Reward Points for every ₹100 spent on retail transactions.
  • 1 complimentary domestic airport lounge visit per quarter on spending ₹75,000 in the previous quarter.
  • 25% discount up to ₹100 on movie tickets via BookMyShow and INOX twice monthly.
  • 15% savings on dining bills at over 2,500 partner restaurants via ICICI Culinary Treats.

Cons

  • High quarterly spend requirement of ₹75,000 for lounge access.
  • Low reward redemption value of ₹0.25 per point.
  • No international lounge access included.

Our Verdict

Both ICICI Bank Platinum Identity Credit Card and ICICI Bank NRI Coral 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 Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Choose ICICI Bank NRI Coral Credit Card if

Ideal for NRIs who frequently visit India and want to earn rewards on local spends and enjoy dining/movie perks.

Frequently Asked Questions

Which is better: ICICI Bank Platinum Identity Credit Card or ICICI Bank NRI Coral Credit Card?
Both ICICI Bank Platinum Identity Credit Card and ICICI Bank NRI Coral 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 Platinum Identity Credit Card and ICICI Bank NRI Coral Credit Card?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while ICICI Bank NRI Coral Credit Card has an annual fee of ₹500. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank NRI Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Identity Credit Card or ICICI Bank NRI Coral Credit Card?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. ICICI Bank NRI Coral Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Identity Credit Card and ICICI Bank NRI Coral Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Identity Credit Card and ICICI Bank NRI Coral Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Platinum Identity Credit Card or ICICI Bank NRI Coral Credit Card?
For beginners, ICICI Bank NRI Coral Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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