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Side-by-Side Comparison|Updated March 2026

ICICI Bank Unifare Credit Card vs ICICI Bank 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 Unifare Credit Card

6.5/10
Annual Fee₹299
Base Rewards0.25%
NetworkMastercard
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ICICI Bank

ICICI Bank Coral Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Unifare Credit CardICICI Bank Coral Credit Card
Annual Fee₹299₹500
Joining Fee₹299₹500
Fee Waiver Spend₹50,000₹1,50,000
Base Reward Rate0.25%0.5%
Reward CurrencyICICI Bank RewardsICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating6.5/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Unifare Credit Card

No accelerated rewards listed

ICICI Bank Coral Credit Card

  • 0% on iShop Spends

Pros & Cons

ICICI Bank Unifare Credit Card

Pros

  • Dual-purpose card acting as both a credit card and a Metro Smart Card
  • Auto-recharge facility of ₹200 when balance falls below threshold
  • Up to 15% discount on Metro travel fares (varies by city)
  • Accelerated 4 reward points per ₹100 on auto-recharge transactions

Cons

  • No airport lounge access or travel insurance benefits
  • Reward rate is relatively low for non-transit spends
  • City-specific variants limit utility if you move between metros

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.

Our Verdict

ICICI Bank Coral Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Unifare Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Unifare Credit Card if

Saves time with auto-recharge and money with direct fare discounts in Delhi, Mumbai, or Bangalore.

Choose ICICI Bank Coral Credit Card if

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

Frequently Asked Questions

Which is better: ICICI Bank Unifare Credit Card or ICICI Bank Coral Credit Card?
ICICI Bank Coral Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Unifare Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Unifare Credit Card and ICICI Bank Coral Credit Card?
ICICI Bank Unifare Credit Card has an annual fee of ₹299, while ICICI Bank Coral Credit Card has an annual fee of ₹500. ICICI Bank Unifare Credit Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: ICICI Bank Unifare Credit Card or ICICI Bank Coral Credit Card?
ICICI Bank Unifare Credit Card offers a base reward rate of 0.25%. ICICI Bank Coral Credit Card offers 0.5% base rewards with bonuses on iShop Spends. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Unifare Credit Card and ICICI Bank Coral Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Unifare Credit Card and ICICI Bank Coral Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Unifare Credit Card or ICICI Bank Coral Credit Card?
For beginners, ICICI Bank Unifare Credit Card may be more approachable with a lower annual fee of ₹299. However, evaluate based on your expected spending pattern rather than fee alone.

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