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ICICI Bank Coral vs HDFC MoneyBack+

Both have the same annual fee, ₹500. ICICI Bank Coral waives its fee on ₹1,50,000 of spend a year; HDFC MoneyBack+ waives its fee on ₹50,000 of spend a year. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

FeatureICICI Bank CoralICICI1 winHDFC MoneyBack+HDFC1 win
Annual fee₹500₹500
Joining fee₹500₹500
Fee waiverWaived on ₹1,50,000 spend a yearLowerWaived on ₹50,000 spend a year
Rewards2 reward points per Rs 100 on retail spends, 1 on utility and insurance10X CashPoints at select merchants; 2 CashPoints on every Rs 200 on other spends
Airport loungesMore1 a quarter domesticNone listed
Forex markup3.5% plus GST3.5% plus GST
PointsICICI Bank Reward Points, about ₹0.25 a pointCashPoints, about ₹0.2 a point
Published minimum income and ageSalaried ₹2,40,000 a year, self-employed ₹2,40,000 a year, age 21 to 65Salaried ₹2,40,000 a year, self-employed ₹6,00,000 a year, age 21 to 60
NetworkAmex / RuPayVisa / Mastercard
ApplyBank pageBank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Add a third cardICICI Bank CoralHDFC MoneyBack+

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