Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs SBI ELITE
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 ELITE
Wins 3 of 10
Verdict
ICICI HPCL Coral wins 6-3. Fuel-heavy spenders at HPCL pumps. SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | ICICI HPCL Coral | SBI ELITE |
|---|---|---|
| Annual fee | ₹199 | · ₹4,999 |
| Joining fee | ₹199 | · ₹4,999 |
| Top reward rate | 5% (fuel) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹50,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹250,000 | · ₹600,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | · 4/5 | 4.4/5 |
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 ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›ICICI HPCL Coral vs SBI ELITE: 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.