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Amex Membership Rewards CC vs ICICI Coral Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, ICICI Coral Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Amex Membership Rewards CC

American Express

ICICI Coral Credit Card

ICICI Bank

Your adjusted comparison

Feature
Amex Membership Rewards CC credit card

Amex Membership Rewards CC

American Express

ICICI Coral Credit Card

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹4,500₹500
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹60,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,116/yr₹915/yr
Utilities & bills—₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr)
Top reward rate2 RP/₹1502 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate
UPI rewardsNot supported (Visa/MC)Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent
Bonuses
Signup bonus₹4,000—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Amex Membership Rewards CC details →ICICI Coral Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Amex Membership Rewards CC leads ICICI Coral Credit Card by about ₹201/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs ICICI Coral Credit Card comparison table
FeatureAmex Membership Rewards CC

American Express

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹4,500₹500
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹60,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,116/yr₹915/yr
Utilities & bills—₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr)
Top reward rate2 RP/₹1502 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate
UPI rewardsNot supported (Visa/MC)Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent
Bonuses
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?
Amex Membership Rewards CC leads with an estimated ₹1,116/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.

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