Head-to-head · 🇮🇳 India
ICICI MMT Signature vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI MMT Signature
Wins 4 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 5 of 10
Verdict
ICICI HPCL Coral wins 5-4. Fuel-heavy spenders at HPCL pumps. ICICI MMT Signature is still the right call if makemytrip loyalists — co-branded with strong travel benefits..
Side-by-side
| Criterion | ICICI MMT Signature | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹2,500 | ₹199 |
| Joining fee | · ₹2,500 | ₹199 |
| Top reward rate | 6% (travel) | · 5% (fuel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | 2.5% | · 3.5% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹600,000 / yr | ₹50,000 / yr |
| Min income | · ₹800,000 | ₹250,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.4/5 | · 4/5 |
Benefits compared
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
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
FAQ
›ICICI MMT Signature vs ICICI HPCL Coral: 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 MMT Signature for its best categories, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI MMT Signature: ₹2,500 MMT Black holidays voucher. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.