Head-to-head · 🇮🇳 India
ICICI Coral vs IDFC FIRST Wealth
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 6 of 10
Verdict
IDFC FIRST Wealth wins 6-3. Lifetime-free premium — best zero-fee card in India. ICICI Coral is still the right call if entry-tier card — easy approval, decent base earning, low fee..
Side-by-side
| Criterion | ICICI Coral | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | · 1% (general) | 3% (general) |
| Base reward rate | · 1% | 3% |
| Forex markup | · 3.5% | 1.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 5,000 reward points on first 90-day spend |
| Fee waiver threshold | ₹150,000 / yr | · N/A (no fee) |
| Min income | ₹240,000 | · ₹1,200,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.2/5 | 4.7/5 |
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)
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
FAQ
›ICICI Coral vs IDFC FIRST Wealth: which is better?
IDFC FIRST Wealth wins on more dimensions (6 vs 3). 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, IDFC FIRST Wealth 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. IDFC FIRST Wealth: 5,000 reward points on first 90-day spend.