Compare ICICI Bank American Express Business Essential Credit Card vs ICICI Bank HPCL Coral Credit Card

Key benefits: Joining bonus of 1,500 PAYBACK Points from ICICI Bank Rewards with additional annual bonus of 1,500 PAYBACK Points from ICICI Bank Rewards.

Reward Points: Enjoy limitless reward-earning opportunities powered by PAYBACK, which is India’s largest and Europe’s most popular loyalty programme with every transaction as described below:

- 6 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent online

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on dining & Airline transactions

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on Hotel & Car Rental

- 2 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on other spends (except fuel, utility and insurance)

Reward points redemption: When you desire to redeem your PAYBACK Points from ICICI Bank Rewards, you are provided with a worthy selection of rewards to choose from as described below:

Merchandise:

- Stylish accessories from Guess, Tommy Hilfiger and Calvin Klein. Classic time pieces from Omega. Raymond Weil and Tag Heuer

- Latest gadgets from Apple, Blackberry, Canon, Samsung and Sony Ericsson. Perfumes such as Dunhill, 5th Avenue, Bvlgari and Carolina Herrara. These finest brands await for your indulgence

- Gift vouchers: You can redeem points for gift vouchers from Debenhams, Nautica, Jack and Jones, Taj Hotels Palaces & Resorts

- Air miles: Convert PAYBACK Points from ICICI Bank Rewards into air miles on Jet Airways Miles and more

Culinary Treats: Drench your taste buds with various delicious treats at some of the leading restaurants in India and get avail great discounts. Save a minimum of 15% on dining bill at all participating restaurants. To view the complete list of restaurants, visit www.culinarytreats.com. You can also download the ICICI Bank Culinary Treats mobile app from (app store) or (google play)
American Express® SELECTS provides a broad range of special offers around the globe in travel, dining, shopping and entertainment. To view the current list of their offers, visit www.amexnetwork.com/selects
Avail exclusive savings on ICICI Bank Business Essential Card
Savings on fuel purchases: No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card
Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card

Cash-back and savings on fuel surcharge
Earn 2 PAYBACK Points on every Rs. 100 spent on retail purchases except for fuel. Redeem 2000 PAYBACK Points for fuel worth Rs. 500
Redeem PAYBACK Points from many options such as movie and travel vouchers to lifestyle products, mobiles, appliances and more
Avail of 25% discount, maximum up to Rs. 100 on purchase of minimum two tickets per transaction through www.bookmyshow.com

Pros

ICICI Business Essential has been specifically designed to deliver higher rewards catering to your business requirement
Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card
No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card

Cons

No Golf/coaching sessions

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Pros

Getting free movie tickets has always made everyone excited – With this card, get Rs. 100 off each time, twice a month
2.5% cashback every time you fill fuel at HPCL pump for more than Rs. 500 each time
1% surcharge on fuel transactions waived off

Cons