Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 1 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 5 of 10
Verdict
ICICI HPCL Coral wins 5-1. Fuel-heavy spenders at HPCL pumps. IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | IRCTC SBI Premier | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹1,499 | ₹199 |
| Joining fee | · ₹1,499 | ₹199 |
| Top reward rate | 10% (travel) | · 5% (fuel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 4% | 3.5% |
| Welcome bonus | = 1,500 IRCTC reward points | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹200,000 / yr | ₹50,000 / yr |
| Min income | · ₹360,000 | ₹250,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | = 4/5 | = 4/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
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
›IRCTC SBI Premier vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (5 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 IRCTC SBI Premier 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?
IRCTC SBI Premier: 1,500 IRCTC reward points. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.