Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 6 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 2 of 10
Verdict
ICICI HPCL Coral wins 6-2. Fuel-heavy spenders at HPCL pumps. SBI IRCTC Premier is still the right call if heavy irctc train booking users..
Side-by-side
| Criterion | ICICI HPCL Coral | SBI IRCTC Premier |
|---|---|---|
| Annual fee | ₹199 | · ₹1,499 |
| Joining fee | ₹199 | · ₹1,499 |
| Top reward rate | · 5% (fuel) | 10% (travel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | ₹50,000 / yr | · ₹200,000 / yr |
| Min income | ₹250,000 | · ₹300,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | 4/5 | · 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›ICICI HPCL Coral vs SBI IRCTC Premier: which is better?
ICICI HPCL Coral wins on more dimensions (6 vs 2). 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 IRCTC Premier 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 IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.