Head-to-head · 🇮🇳 India
ICICI Coral vs Standard Chartered Ultimate
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
Premium
Standard Chartered
Standard Chartered Ultimate
VISA
Wins 3 of 10
Verdict
ICICI Coral wins 5-3. Entry-tier card — easy approval, decent base earning, low fee. Standard Chartered Ultimate is still the right call if best general earn-rate at the ₹5k fee tier..
Side-by-side
| Criterion | ICICI Coral | Standard Chartered Ultimate |
|---|---|---|
| Annual fee | ₹500 | · ₹5,000 |
| Joining fee | ₹500 | · ₹5,000 |
| Top reward rate | · 1% (general) | 3.3% (general) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 6,000 reward points + ₹1,000 voucher |
| Fee waiver threshold | ₹150,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹240,000 | · ₹1,500,000 |
| Min credit score | 700 | · 780 |
| 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)
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
FAQ
›ICICI Coral vs Standard Chartered Ultimate: which is better?
ICICI Coral wins on more dimensions (5 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, Standard Chartered Ultimate 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. Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher.