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ICICI Amazon Pay Credit Card vs ICICI Coral Credit Card

Honest side-by-side comparison of ICICI Amazon Pay 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

ICICI Amazon Pay Credit Card

ICICI Bank

ICICI Coral Credit Card

ICICI Bank

Your adjusted comparison

Feature
ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card

ICICI Bank

ICICI Coral Credit Card

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹1,50,000/yr spend
Min income₹25,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,793/yr₹915/yr
Online shopping₹2,400 × 5% = ₹120/mo (₹1,440/yr)—
Utilities & bills—₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr)
Top reward rate5%2 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 · Wallet · JewelleryEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹6,391/yr combined NAV (₹2,598 vs best solo). Both annual fees apply.

ICICI Amazon Pay Credit Card details →ICICI Coral Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Amazon Pay Credit Card leads ICICI Coral Credit Card by about ₹2,878/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

ICICI Amazon Pay Credit Card vs ICICI Coral Credit Card comparison table
FeatureICICI Amazon Pay Credit Card

ICICI Bank

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹1,50,000/yr spend
Min income₹25,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,793/yr₹915/yr
Online shopping₹2,400 × 5% = ₹120/mo (₹1,440/yr)—
Utilities & bills—₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr)
Top reward rate5%2 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 · Wallet · JewelleryEMI · Fuel · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
ICICI Amazon Pay Credit Card leads with an estimated ₹3,793/yr net annual value on moderate spend.
Which card has the lower income requirement?
ICICI Amazon Pay Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More ICICI Amazon Pay Credit Card comparisons