Head-to-head · 🇮🇳 India
ICICI Coral vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
IN
Premium
IndusInd Bank
IndusInd Iconia Amex
AMERICAN
EXPRESS
EXPRESS
Wins 4 of 10
Verdict
IndusInd Iconia Amex wins 4-3. Mid-premium Amex with annual-fee waiver from year 2. ICICI Coral is still the right call if entry-tier card — easy approval, decent base earning, low fee..
Side-by-side
| Criterion | ICICI Coral | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | ₹500 | · ₹3,500 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹150,000 / yr | N/A (no fee) |
| Min income | ₹240,000 | · ₹600,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | = 4.2/5 | = 4.2/5 |
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)
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›ICICI Coral vs IndusInd Iconia Amex: which is better?
IndusInd Iconia Amex wins on more dimensions (4 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, IndusInd Iconia Amex 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. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.