Head-to-head · 🇮🇳 India
ICICI Coral vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 2 of 10
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 3 of 10
Verdict
HDFC MoneyBack+ wins 3-2. Entry-level cashback with very low waiver bar. ICICI Coral is still the right call if entry-tier card — easy approval, decent base earning, low fee..
Side-by-side
| Criterion | ICICI Coral | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | = ₹500 | = ₹500 |
| Joining fee | = ₹500 | = ₹500 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹150,000 / yr | ₹50,000 / yr |
| Min income | = ₹240,000 | = ₹240,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.2/5 | · 4.1/5 |
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)
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›ICICI Coral vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (3 vs 2). 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, HDFC MoneyBack+ 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. HDFC MoneyBack+: 500 CashPoints on first transaction.