Head-to-head · 🇮🇳 India
ICICI Coral vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 4 of 10
Verdict
ICICI Coral wins 5-4. Entry-tier card — easy approval, decent base earning, low fee. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | ICICI Coral | AU Bank Zenith |
|---|---|---|
| Annual fee | ₹500 | · ₹7,500 |
| Joining fee | ₹500 | · ₹7,500 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | ₹150,000 / yr | · ₹800,000 / yr |
| Min income | ₹240,000 | · ₹1,200,000 |
| Min credit score | 700 | · 780 |
| Editorial rating | · 4.2/5 | 4.4/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›ICICI Coral vs AU Bank Zenith: which is better?
ICICI Coral wins on more dimensions (5 vs 4). 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 ICICI Coral for its best categories, AU Bank Zenith for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket.