Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 5 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 4 of 10
Verdict
ICICI HPCL Coral wins 5-4. Fuel-heavy spenders at HPCL pumps. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | ICICI HPCL Coral | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹199 | · ₹4,999 |
| Joining fee | ₹199 | · ₹4,999 |
| Top reward rate | · 5% (fuel) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = 20,000 Air India reward points |
| Fee waiver threshold | ₹50,000 / yr | · ₹500,000 / yr |
| Min income | ₹250,000 | · ₹1,200,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›ICICI HPCL Coral vs SBI Air India Signature: which is better?
ICICI HPCL Coral wins on more dimensions (5 vs 4). 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 HPCL Coral for its best categories, SBI Air India Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI HPCL Coral: 2,000 PAYBACK points on first transaction. SBI Air India Signature: 20,000 Air India reward points.