ICICI Coral vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Coral wins 7-2. Entry-tier card, easy approval, decent base earning, low fee. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | ICICI Coral | Kotak White |
|---|---|---|
| Annual fee | ₹500 | · ₹3,000 |
| Joining fee | ₹500 | · ₹3,000 |
| Top reward rate | 1% (general) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | · N/A | White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹150,000 / yr | · ₹500,000 / yr |
| Min income | ₹240,000 | · ₹2,500,000 |
| Min credit score | 700 | · N/A |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
ICICI Coral
- 2 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›ICICI Coral vs Kotak White: which is better?
ICICI Coral wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use ICICI Coral for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral doesn't list a welcome bonus. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.