Check below for a comparison between IRCTC SBI Card Platinum vs ICICI Platinum credit card or ICICI Platinum credit card vs IRCTC SBI Card Platinum and find which is better –
In the realm of credit cards, navigating the options can be daunting, and the choice between the ICICI Coral Credit Card and the HDFC Moneyback Credit Card holds particular significance for those seeking tailored financial advantages.
The ICICI Coral Credit Card, a symbol of lifestyle benefits, offers exclusive perks such as dining discounts, complimentary airport lounge access, and accelerated rewards on various spending categories.
Conversely, the HDFC Moneyback Credit Card focuses on simplicity and practicality, providing cashback rewards on everyday expenses, making it an ideal choice for individuals who value straightforward savings.
This comprehensive comparison delves into the unique features of each card, empowering users to make an informed decision based on their specific spending patterns, lifestyle preferences, and financial goals.
Whether you prioritize lifestyle perks or seek straightforward cashback benefits, understanding the nuanced attributes of these credit cards will guide you towards the one that seamlessly aligns with your individual needs.
Table of Contents
Overview of ICICI Coral credit card
Many perks come with the ICICI Coral Credit Card, such as reward points, cashback, and gift vouchers. Collect payback points with each transaction you make.
Opt for the Coral credit card’s Visa, Mastercard, or AmEx variants, allowing you the freedom to choose the one that best suits you.
For every Rs. 100 spent using this card, you can accrue up to 2 reward points, which are usable across a variety of categories and products.
The Coral credit card also provides an annual chance to earn up to 10,000 bonus Reward Points through its milestone program.
In addition to these perks, cardholders enjoy discounts on movie tickets for Inox and BookMyShow. To cater to your travel needs, the card includes complimentary access to domestic airport and railway lounges every quarter.
Overview of HDFC Moneyback credit card
Every year, upon payment of the joining or renewal fee, you receive a welcome and renewal benefit of 500 Cash points.
The renewal fee can be waived based on your annual spending. This card provides 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.
Redeem these points for cashback, SmartBuy flight/hotel bookings, and various products/vouchers. Additionally, quarterly spending can earn you gift vouchers every quarter.
ICICI Coral credit card vs HDFC Moneyback credit card
| Features/Charges | ICICI Coral credit card | HDFC Moneyback Credit Card |
|---|---|---|
| Joining Fees | Rs. 500 + taxes | Rs. 500 + taxes |
| Annual Fees | Rs. 500 + taxes | Rs. 500 + taxes |
| Welcome Benefits | N/A | A welcome benefit of 500 Cash Points awaits you upon settling the membership fee. |
| Cashback / Rewards point | Receive 1 reward point when you spend Rs. 100 on utility bills and insurance, and gain 2 reward points with the use of this card. | Receive 4 Reward Points for each Rs 150 spent online, and 2 Reward Points for every other kind of spending. |
| Dining benefits | Get a 15% reduction on dining costs by making payments with this card. | Avail savings of up to 20% on your restaurant charges by using Swiggy Dineout. |
| Travel benefits | Gain access to domestic lounges at railway and airport facilities at no cost by using this card. | N/A |
| Annual fees waiver | Exceeding Rs. 1,50,000 in annual spending on this card entitles you to a waiver of the annual fee. | The annual fee is canceled if your spending in the preceding year is Rs. 50,000 or higher. |
| Fuel surcharge waiver | Make transactions of Rs. 4000 at HPCL petrol stations using this card and benefit from a 1% fuel surcharge waiver. | A complete exemption of the 1% fuel surcharge is applied to all fuel transactions. |
