Side-by-side · honest numbers
American Express Gold Card vs ICICI Coral Credit Card vs IndusInd Bank Pinnacle Credit Card
Honest side-by-side comparison of American Express Gold Card, ICICI Coral Credit Card, IndusInd Bank Pinnacle Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express Gold Card ranks first for estimated net annual value — ahead of ICICI Coral Credit Card by about ₹480/yr.
| Feature | American Express Gold Card American Express | ICICI Coral Credit Card ICICI Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹10,000 |
| Min income (monthly) | ₹60,000 | ₹30,000 | ₹75,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 2 RP/₹100 | 3X points/₹150 |
| Net annual value (moderate spend) | ₹570/yr | ₹90/yr | -₹6,550/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Coral Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- American Express Gold Card leads with an estimated ₹570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹10,000 |
| Min income | ₹60,000 | ₹30,000 | ₹75,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 2 RP/₹100 | 3X points/₹150 |
| Net value (moderate) | ₹570/yr | ₹90/yr | -₹6,550/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | — |
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