I’m considering the ICICI Coral Credit Card, but I’ve been looking at other entry-level options too, like the HDFC Regalia or SBI SimplySave cards. How does the Coral compare in terms of rewards, fees, and benefits? I’m especially curious about how it stacks up when it comes to movie perks, dining benefits, and other rewards like fuel surcharge waivers. Should I go for this one, or would another entry-level card give me better value for money?
I found that ICICI Coral Credit Card offers a solid mix of benefits, but whether it’s the best choice really depends on what you’re looking for.
The ICICI Coral stands out because of its movie rewards, especially for PVR lovers. With its movie ticket offers and cashback on movie spends, it’s definitely a good pick if you’re someone who watches movies regularly. Plus, the dining discounts at partner restaurants are a nice bonus. The annual fee of ₹500+GST is pretty standard for an entry-level card, but it might feel a bit high if you don’t make use of the benefits often.
When compared to cards like the HDFC Regalia or SBI SimplySave, the Coral card has a few areas where it shines and some where it falls short. For instance, the HDFC Regalia has a higher annual fee but also offers better lounge access, travel benefits, and higher reward points for spends in categories like groceries and fuel. It’s a great card if you want more versatile rewards across various spends. Meanwhile, the SBI SimplySave card has a lower annual fee and offers rewards points on regular spends, though it doesn’t have the movie perks that the Coral card offers.
In terms of fuel surcharge waivers, both the ICICI Coral and SBI SimplySave offer them, but the Regalia takes it a step further with higher reward points on fuel purchases. So, if you’re looking for a card that gives you more value from everyday spends, cards like Regalia or even Amazon Pay ICICI might be more suited for you.
Overall, if your main focus is movie perks and dining discounts, then the ICICI Coral is a solid choice. But, if you’re looking for a more versatile card with travel or everyday spend benefits, you might want to look into Regalia or SimplySave instead.