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HDFC Bharat Cashback Credit Card vs ICICI Coral Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, 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.

HDFC Bharat Cashback Credit Card

HDFC Bank

ICICI Coral Credit Card

ICICI Bank

Your adjusted comparison

Feature
HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card

HDFC Bank

ICICI Coral Credit Card

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹15,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,670/yr-₹50/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Top reward rate5% cashback2 RP/₹100
Primary reward cap₹250 rewards/mo cap₹100/ticket
Perks & restrictions
Lounge accessNone4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

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

HDFC Bharat Cashback Credit Card details →ICICI Coral Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads ICICI Coral Credit Card by about ₹3,720/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

HDFC Bharat Cashback Credit Card vs ICICI Coral Credit Card comparison table
FeatureHDFC Bharat Cashback Credit Card

HDFC Bank

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹15,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,670/yr-₹50/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Top reward rate5% cashback2 RP/₹100
Primary reward cap₹250 rewards/mo cap₹100/ticket
Perks & restrictions
Lounge accessNone4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceEMI · Fuel · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
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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