Head-to-head · 🇮🇳 India
ICICI Sapphiro vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 6 of 10
Verdict
ICICI HPCL Coral wins 6-1. Fuel-heavy spenders at HPCL pumps. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹3,500 | ₹199 |
| Joining fee | · ₹6,500 | ₹199 |
| Top reward rate | · 1% (general) | 5% (fuel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹600,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,000,000 | ₹250,000 |
| Min credit score | · 780 | 720 |
| Editorial rating | 4.3/5 | · 4/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
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 Sapphiro vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (6 vs 1). 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.