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Zomato Edition Classic Credit Card VS ICICI Bank Coral 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

Zomato Edition Classic Credit Card
Zomato Edition Classic Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Not Applicable
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Foreign Transaction Fees
Up to 3.5% (plus applicable taxes)
3.5% of the transaction amount.
Interest Rate (APR)
3.99% per month (equivalent to 47.88% annually)
3.75% per month (45% p.a.) on outstanding balance and cash advances.

Rewards & Benefits

Welcome Bonus
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
No specific welcome benefits are offered with the paid Coral variant.
Rewards Rate
5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends.
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
Movie Benefits
Not Applicable
25% discount, up to ₹100, on movie tickets via BookMyShow and INOX (twice a month, min 2 tickets).
Dining Benefits
Complimentary Zomato Pro & 5 Edition Cash for every ₹100 on Zomato/Blinkit (capped daily).
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.

Security & Other

Insurance Benefits
Not Applicable
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Cash Advance Charges
2.5% of the withdrawn amount (with a minimum charge of ₹500)
2.5% of transaction amount or ₹500 minimum (whichever is higher).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Zomato Edition Classic Credit Card

ICICI Bank Coral Credit Card

Who is it for?

The Zomato Edition Classic Credit Card, a collaboration between RBL Bank, Zomato, and MasterCard, is designed for Zomato users seeking exclusive dining benefits. This card provides a complimentary annual Zomato Pro membership and offers 500 Edition Cash as a welcome benefit. Cardholders earn accelerated Edition Cash on Zomato and Blinkit purchases, along with a standard rate on other expenditures, and can redeem points for food or statement balance. It's an excellent choice for frequent online food orderers.

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.

Pros

Key benefits and features.

Offers exclusive dining benefits with a complimentary Zomato Pro membership.

Accelerated rewards of 5 Edition Cash on Zomato and Blinkit spends.

Redeem Edition Cash for Zomato purchases or against credit card statement.

Get 2,000 bonus Edition Cash annually by spending over ₹2,00,000.

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.

Cons

Key drawbacks and limitations.

Lacks any complimentary domestic or international airport lounge access facilities.

Does not offer any specific benefits for travel, golf, or insurance needs.

High interest rates of 3.99% per month, equating to 47.88% annually.

A 1% fuel surcharge is levied on transactions, with a minimum charge of ₹10.

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.

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.