Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
ICICI HPCL Coral wins 6-3. Fuel-heavy spenders at HPCL pumps. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | ICICI HPCL Coral | SBI Aurum |
|---|---|---|
| Annual fee | ₹199 | · ₹9,999 |
| Joining fee | ₹199 | · ₹9,999 |
| Top reward rate | 5% (fuel) | · 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹50,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹250,000 | · ₹3,500,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4/5 | 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›ICICI HPCL Coral vs SBI Aurum: which is better?
ICICI HPCL Coral 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 HPCL Coral for its best categories, SBI Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.