ICICI Bank Coral Credit Card VS ICICI Bank Platinum Chip Credit Card
Both are ICICI cards with the same 15% Culinary Treats dining discount, but Coral adds more for its ₹500 + GST fee. ICICI Bank Coral includes spend-based domestic airport lounge access and railway lounge access every quarter, plus movie ticket discounts via BookMyShow and INOX. ICICI Bank Platinum Chip is entirely free but skips the lounge access. If you travel by air or rail occasionally and would use quarterly lounge visits, Coral's small fee is worth it; if dining discounts alone are what you're after, Platinum Chip gets you the same restaurant savings for nothing.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
ICICI Bank Coral Credit Card
ICICI Bank Platinum Chip Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers valuable complimentary railway lounge access without any spend criteria.
Provides significant savings on movie tickets with up to 25% discount twice monthly.
Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.
Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.
Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.
Pros
Key benefits and features.
The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.
Earns valuable reward points on everyday retail, utility, and insurance expenditures.
Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.
Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.
Conveniently convert your large purchases into easy and manageable EMI options.
Cons
Key drawbacks and limitations.
Lounge access and movie benefits are subject to specific quarterly spend conditions.
The card does not offer any welcome benefits for new cardholders.
Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.
High foreign currency markup of 3.5% makes international spends less rewarding.
Movie cashback offers on the Amex variant have been revoked from Jan 2025.
Cons
Key drawbacks and limitations.
A redemption fee of ₹99 + GST is applicable for each reward point redemption request.
The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.
High interest rates of 3.75% per month apply to overdue amounts and cash advances.
Significant cash advance fees are charged, which can be costly for emergency withdrawals.