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ICICI Bank Coral Credit Card VS MakeMyTrip ICICI Platinum 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: 17 July 2026

Both MakeMyTrip ICICI Platinum Credit Card and ICICI Bank Coral Credit Card suit travel-focused spenders, but they earn and cost differently. MakeMyTrip ICICI Platinum Credit Card costs ₹500 + GST and earns 3x myCash on MMT hotels, 2x on MMT flights, 1x on ₹200 domestic spend & up to 4% iShop cashback. 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. MakeMyTrip ICICI Platinum Credit Card also brings enjoy 4 airport/railway lounge access annually. Airport access requires ₹75,000 spend/quarter, while ICICI Bank Coral Credit Card counters with 1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
MakeMyTrip ICICI Platinum Credit Card
MakeMyTrip ICICI Platinum Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal FeeFree (1st year)
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Spend Based WaiverAnnual fee is Nil. Domestic airport lounge access requires a minimum spend of ₹75,000 per quarter.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction FeesA 3.5% foreign currency markup is charged on international transactions.
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% interest per month on ATM withdrawals and if only minimum due is paid.

Rewards & Benefits

Welcome Bonus
Welcome BonusGet a MakeMyTrip holiday voucher (up to ₹3000) and ₹500 myCash upon card activation.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Rewards RateEarn 3x myCash on MMT hotels, 2x on MMT flights, 1x on ₹200 domestic spend & up to 4% iShop cashback.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNot Applicable

Travel & Lifestyle

Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
Domestic Lounge AccessEnjoy 4 airport/railway lounge access annually. Airport access requires ₹75,000 spend/quarter.
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Travel BenefitsDesigned for travelers, offers significant benefits on MakeMyTrip bookings, lounge access & holiday vouchers.
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Movie BenefitsReceive 25% off on movie tickets, up to ₹100, on minimum purchase of two tickets.
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Dining BenefitsEnjoy dining discounts through the exclusive Culinary Treats Programme.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹4000 at HPCL pumps using ICICI POS.

Security & Other

Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Insurance BenefitsProtected against fraudulent transactions with Counterfeit Card Liability & Account Takeover Cover.
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
Cash Advance ChargesATM withdrawals incur 3.75% interest per month.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

MakeMyTrip ICICI Platinum 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 MakeMyTrip ICICI Bank Platinum Credit Card is tailored for travel enthusiasts, offering exclusive MakeMyTrip benefits, myCash rewards, and holiday vouchers. It provides accelerated rewards on hotel and flight bookings, along with complimentary lounge access, dining discounts, and movie offers. This card aims to enhance your travel and lifestyle experiences with valuable perks and security features.

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.

Highly beneficial for frequent travelers with exclusive MakeMyTrip offers and rewards.

Offers complimentary lounge access at both domestic airports and railway stations.

Includes valuable welcome benefits like holiday vouchers and myCash for new cardholders.

Enjoy significant savings on movie tickets and dining through partner programs.

Enhanced security with microchip and PIN, plus fraud protection features.

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 one-time joining fee of ₹500 + GST applies upon card activation.

High foreign currency markup of 3.5% for international transactions.

Domestic airport lounge access requires a substantial minimum spend of ₹75,000 per quarter.

High interest rate of 3.75% per month on ATM withdrawals and outstanding balances.

Lounge access benefits are primarily restricted to the main cardholder.

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.
Apply for ICICI Bank Coral Credit Card(opens in new tab)Apply for MakeMyTrip ICICI Platinum Credit Card(opens in new tab)