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.

Side-by-side · honest numbers

HSBC TravelOne Credit Card vs ICICI Coral Credit Card vs ICICI Platinum Chip

Honest side-by-side comparison of HSBC TravelOne 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.

HSBC TravelOne Credit Card vs ICICI Coral Credit Card vs ICICI Platinum Chip comparison table
Feature	HSBC TravelOne Credit Card HSBC	ICICI Coral Credit Card ICICI Bank	ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹4,999	₹500	Lifetime free
Fee waiver threshold	₹12,00,000/yr	No waiver published	Lifetime free
Min income	₹75,000/mo	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/yr	₹90/yr	-₹142/yr
Travel	3 pts per ₹150 spend → ₹25/mo (₹300/yr)	—	—
Top reward rate	3X points	2 RP/₹100	1 RP/₹150
Primary reward cap	No monthly cap published	₹100/ticket	No monthly cap published
Perks & restrictions
Lounge access	Complimentary domestic lounge access · 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 · Insurance	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.

Card 1

HSBC TravelOne Credit Card

HSBC

Card 2

ICICI Coral Credit Card

ICICI Bank

Card 3

ICICI Platinum Chip

ICICI Bank

Your adjusted comparison

Feature	HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC	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	₹4,999	₹500	Lifetime free
Fee waiver threshold	₹12,00,000/yr	No waiver published	Lifetime free
Min income	₹75,000/mo	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/yr	₹90/yr	-₹142/yr
Travel	3 pts per ₹150 spend → ₹25/mo (₹300/yr)	—	—
Top reward rate	3X points	2 RP/₹100	1 RP/₹150
Primary reward cap	No monthly cap published	₹100/ticket	No monthly cap published
Perks & restrictions
Lounge access	Complimentary domestic lounge access · 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 · Insurance	EMI · Fuel · Rent	EMI · Fuel
Bonuses
Signup bonus	—	—	—

HSBC TravelOne Credit Card details →ICICI Coral Credit Card details →ICICI Platinum Chip details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC TravelOne Credit Card comparisons