Axis Vistara Signature vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI HPCL Coral wins 5-1. Fuel-heavy spenders at HPCL pumps. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | Axis Vistara Signature | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹3,000 | ₹199 |
| Joining fee | · ₹3,000 | ₹199 |
| Top reward rate | = 5% (travel) | = 5% (fuel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹750,000 / yr | ₹50,000 / yr |
| Min income | · ₹600,000 | ₹250,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›Axis Vistara Signature vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis Vistara Signature for its best categories, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis Vistara Signature: Vistara Premium Economy ticket on joining. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.