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ICICI Bank Coral Credit Card VS HDFC Bank Diners Club Privilege Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹1,000 + GST
Renewal Fee
₹500 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Renewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
A nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)
3.75% per month (45% p.a.) on outstanding balance and cash advances.
3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus
No specific welcome benefits are offered with the paid Coral variant.
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Earn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per redemption.
Rs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter.
2 complimentary lounge visits per quarter in India.
International Lounge Access
Not Applicable
2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel Benefits
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits
25% discount, up to ₹100, on movie tickets via BookMyShow and INOX (twice a month, min 2 tickets).
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining Benefits
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Earn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.
Not applicable.

Security & Other

Insurance Benefits
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Air accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges
2.5% of transaction amount or ₹500 minimum (whichever is higher).
2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

HDFC Bank Diners Club Privilege Credit Card

Who is it for?

The ICICI Bank Coral Credit Card is a versatile card offering exclusive rewards on dining, entertainment, and travel. It provides complimentary domestic and railway lounge access, along with attractive discounts on movie tickets and dining bills. With robust insurance benefits for the RuPay variant, milestone rewards, and a manageable annual fee waiver, it's an excellent choice for everyday and on-the-go spends, ensuring a rewarding experience.

Who is it for?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

Pros

Key benefits and features.

Enjoy complimentary railway lounge access every quarter without spend criteria.

RuPay variant offers seamless UPI linking for convenient everyday payments.

Access complimentary domestic airport lounges with a reasonable quarterly spend.

Significant discounts available on movie tickets and dining bills.

Benefit from milestone reward points, increasing overall card value.

Pros

Key benefits and features.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

Cons

Key drawbacks and limitations.

No specific welcome benefits are provided with the paid Coral variant.

A rewards redemption fee of ₹99 + GST is charged for point redemptions.

High foreign currency markup of 3.5% applies to international transactions.

Monthly interest rate of 3.75% (45% p.a.) can be high if not paid fully.

Cons

Key drawbacks and limitations.

The welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.