Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs ICICI Coral Credit Card vs ICICI Platinum Chip
Honest side-by-side comparison of Axis Bank Reserve Credit Card, ICICI Coral Credit Card, ICICI Platinum Chip — 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, ICICI Coral Credit Card ranks first for estimated net annual value — ahead of ICICI Platinum Chip by about ₹232/yr.
| Feature | Axis Bank Reserve Credit Card Axis Bank | ICICI Coral Credit Card ICICI Bank | ICICI Platinum Chip ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹90/yr | -₹142/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Top reward rate | 24 EDGE miles/₹150 | 2 RP/₹100 | 1 RP/₹150 |
| Primary reward cap | No monthly cap published | ₹100/ticket | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- ICICI Coral Credit Card leads with an estimated ₹90/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- 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.
Axis Bank Reserve Credit Card
Axis Bank
ICICI Coral Credit Card
ICICI Bank
ICICI Platinum Chip
ICICI Bank
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank | 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 | ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹90/yr | -₹142/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Top reward rate | 24 EDGE miles/₹150 | 2 RP/₹100 | 1 RP/₹150 |
| Primary reward cap | No monthly cap published | ₹100/ticket | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-reserve-vs-icici-coral-vs-icici-platinum-chipMore Axis Bank Reserve Credit Card comparisons
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