Head-to-head · 🇮🇳 India
ICICI Coral vs ICICI Sapphiro
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
Verdict
ICICI Coral wins 5-1. Entry-tier card — easy approval, decent base earning, low fee. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Coral | ICICI Sapphiro |
|---|---|---|
| Annual fee | ₹500 | · ₹3,500 |
| Joining fee | ₹500 | · ₹6,500 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 10,000 reward points worth ₹2,500 |
| Fee waiver threshold | ₹150,000 / yr | · ₹600,000 / yr |
| Min income | ₹240,000 | · ₹1,000,000 |
| Min credit score | 700 | · 780 |
| Editorial rating | · 4.2/5 | 4.3/5 |
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 Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
FAQ
›ICICI Coral vs ICICI Sapphiro: which is better?
ICICI 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 ICICI Coral for its best categories, ICICI Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500.