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ICICI Bank Coral Credit Card VS ICICI Bank Sapphiro 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.
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Last updated: 21 July 2026

Both ICICI Bank Coral Credit Card and ICICI Bank Sapphiro Credit Card suit movies-focused spenders, but they earn and cost differently. ICICI Bank Coral Credit Card costs ₹500 + GST and earns 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance. ICICI Bank Sapphiro Credit Card costs ₹6,500 + GST and earns 4 RP/₹100 on international, 2 RP/₹100 on domestic (excl. fuel), 1 RP/₹100 on utility/insurance. ICICI Bank Coral Credit Card also brings 1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter, while ICICI Bank Sapphiro Credit Card counters with 4 complimentary visits/quarter, subject to ₹75,000 spend in preceding quarter. Primary cardholder only. If dining spending matters more, go with ICICI Bank Coral Credit Card; if travel is the priority, ICICI Bank Sapphiro Credit Card fits better.

ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹6,500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹3,500 + GST
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Spend Based WaiverRenewal fee waiver on spending ₹6 lakhs or more annually in the preceding year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.50% + GST
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% per month (45% per annum) on purchases, ATM withdrawals, and minimum due payments.

Rewards & Benefits

Welcome Bonus
Welcome BonusWelcome vouchers worth over ₹13,000 (Tata CliQ, EaseMyTrip, Da Milano, Croma) & 3 months EazyDiner Prime membership.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Rewards Rate4 RP/₹100 on international, 2 RP/₹100 on domestic (excl. fuel), 1 RP/₹100 on utility/insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
Domestic Lounge Access4 complimentary visits/quarter, subject to ₹75,000 spend in preceding quarter. Primary cardholder only.
International Lounge Access
International Lounge Access2 complimentary visits/year with Priority Pass/DreamFolks membership. Primary cardholder only.
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Travel BenefitsComprehensive travel privileges including lounge access, insurance, and concierge services.
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Movie BenefitsBuy One Get One Free movie ticket offer via BookMyShow (up to ₹500 off, twice a month), subject to ₹25,000 spend.
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Dining Benefits15% saving on bills at over 2,500 restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits
Golf BenefitsComplimentary rounds/lessons (up to 4/month), subject to ₹50,000 spend in preceding month.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver on transactions up to ₹4,000 (max ₹250/billing cycle) at all fuel pumps.

Security & Other

Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Insurance Benefits₹3 Cr air accident, ₹50k credit shield, baggage, travel document, flight delay, and fraud protection.
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
Cash Advance Charges2.5% of transaction amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

ICICI Bank Sapphiro Credit Card

Who is it for?

The ICICI Bank Coral Credit Card is a popular entry-level offering providing exclusive rewards and offers across dining, entertainment, and travel. Cardholders can earn up to 2 Reward Points per ₹100 spent and benefit from complimentary domestic airport and railway lounge access quarterly. It's an excellent choice for individuals who frequently spend on movies and dining, offering significant savings and milestone benefits. The card also features a 1% fuel surcharge waiver and an annual fee waiver based on spending, making it a well-rounded option for everyday use.

Who is it for?

The ICICI Bank Sapphiro Credit Card is a premium offering for frequent travelers and individuals seeking extensive lifestyle benefits. It provides welcome vouchers worth over ₹13,000, complimentary domestic and international airport lounge access, and attractive movie ticket offers. With a comprehensive reward program and various insurance benefits, it's ideal for those looking for a feature-rich card that rewards diverse spending habits.

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.

Generous welcome benefits worth over ₹13,000, significantly offsetting the initial joining fee.

Extensive complimentary domestic and international airport lounge access for globetrotters.

Attractive Buy One Get One Free movie ticket offer and exclusive dining discounts.

Comprehensive insurance coverage, including high air accident and various travel benefits.

Milestone rewards and annual fee waiver enhance long-term value for high spenders.

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.

High joining and annual fees, though welcome benefits and waivers can mitigate costs.

Lounge, movie, and golf benefits are subject to significant spend-based eligibility criteria.

Reward points value is relatively low at ₹0.25 per point, with an additional redemption fee.

High foreign currency markup and interest rates make it less ideal for specific uses.

Movie benefit eligibility changes to a spend-based model from April 1, 2026.

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.
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