ICICI HPCL Coral vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI HPCL Coral wins 5-2. Fuel-heavy spenders at HPCL pumps. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | ICICI HPCL Coral | SBI Prime |
|---|---|---|
| Annual fee | ₹199 | · ₹2,999 |
| Joining fee | ₹199 | · ₹2,999 |
| Top reward rate | = 5% (fuel) | = 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹50,000 / yr | · ₹300,000 / yr |
| Min income | ₹250,000 | · ₹480,000 |
| Min credit score | 720 | · 750 |
| Editorial rating | · 4/5 | 4.2/5 |
Benefits compared
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Trident Privilege Red membership
FAQ
›ICICI HPCL Coral vs SBI Prime: which is better?
ICICI HPCL Coral wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use ICICI HPCL Coral for its best categories, SBI Prime for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI HPCL Coral: 2,000 PAYBACK points on first transaction. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).