Head-to-head · 🇮🇳 India
IDFC FIRST Wealth vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 4 of 10
Verdict
IDFC FIRST Wealth wins 5-4. Lifetime-free premium — best zero-fee card in India. ICICI HPCL Coral is still the right call if fuel-heavy spenders at hpcl pumps..
Side-by-side
| Criterion | IDFC FIRST Wealth | ICICI HPCL Coral |
|---|---|---|
| Annual fee | No annual fee | · ₹199 |
| Joining fee | None | · ₹199 |
| Top reward rate | · 3% (general) | 5% (fuel) |
| Base reward rate | 3% | · 1% |
| Forex markup | 1.5% | · 3.5% |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · N/A (no fee) | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹250,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.7/5 | · 4/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
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
›IDFC FIRST Wealth vs ICICI HPCL Coral: which is better?
IDFC FIRST Wealth 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 IDFC FIRST Wealth 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?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.