Head-to-head · 🇮🇳 India
ICICI Coral vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI MMT Signature
Wins 4 of 10
Verdict
ICICI Coral wins 5-4. Entry-tier card — easy approval, decent base earning, low fee. ICICI MMT Signature is still the right call if makemytrip loyalists — co-branded with strong travel benefits..
Side-by-side
| Criterion | ICICI Coral | ICICI MMT Signature |
|---|---|---|
| Annual fee | ₹500 | · ₹2,500 |
| Joining fee | ₹500 | · ₹2,500 |
| Top reward rate | · 1% (general) | 6% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3.5% | 2.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | ₹150,000 / yr | · ₹600,000 / yr |
| Min income | ₹240,000 | · ₹800,000 |
| Min credit score | 700 | · 770 |
| 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)
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›ICICI Coral vs ICICI MMT Signature: 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, ICICI MMT Signature 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. ICICI MMT Signature: ₹2,500 MMT Black holidays voucher.