ICICI Coral vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Coral wins 6-1. Entry-tier card — easy approval, decent base earning, low fee. Kotak Royale Signature is still the right call if mid-tier shopping/dining card with solid fee waiver economics..
Side-by-side
| Criterion | ICICI Coral | Kotak Royale Signature |
|---|---|---|
| Annual fee | ₹500 | · ₹999 |
| Joining fee | ₹500 | · ₹999 |
| Top reward rate | · 1% (general) | 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | ₹150,000 / yr | · ₹250,000 / yr |
| Min income | ₹240,000 | · ₹300,000 |
| Min credit score | 700 | · 740 |
| Editorial rating | 4.2/5 | · 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)
Kotak Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
FAQ
›ICICI Coral vs Kotak Royale Signature: which is better?
ICICI Coral wins on more dimensions (6 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, Kotak Royale 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. Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.