ICICI Bank HPCL Coral American Express Credit Card vs IDFC FIRST Select Credit Card

Joining Fees

₹199

₹0

Editor's Rating

4

2.75

Key Features

  • Earn 3X or 6 PAYBACK Points from ICICI Bank Rewards Points per Rs. 100 spent on fuel at HPCL pumps
  • Get 2.5% cashback and savings of 1% fuel surcharge on fuel purchases at HPCL pumps
  • Exclusive dining offers through ICICI Bank Culinary Treats Programme
  • Avail 25% discount, maximum up to Rs 100 on purchase of minimum two tickets per transaction through Bookmyshow
  • Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
  • 5% cashback on making the first EMI transaction made within 90 days of card set-up
  • 10X Reward Points on purchases greater than Rs.20,000
  • 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
  • 4 complimentary domestic lounge access per quarter
  • 4 complimentary Railway lounge access every quarter
  • Low foreign exchange mark-up fee of 1.99%
  • 20% discount on 1500+ Restaurants
  • 15% discount on 3000+ Health & Wellness Outlets
  • Free Road Side Assistance(RSA) worth Rs. 1,399

Editor's Review

Pros

  • Exclusive dining offers through ICICI Bank Culinary Treats Programme
  • Enjoy accelerated 3X rewards, i.e on every Rs. 100 spent, get 6 PAYBACK Points on fuel spends at HPCL pumps & 2 PAYBACK Points on all other retail spends

Cons:

  • No Complimentary Lounge access
  • No complimentary Golf classes/sessions

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Pros

  • 10X Rewards on all spends done on your Birthday
  • Reward points will never expire
  • Comprehensive Travel Insurance Cover of Rs. 22,500

    Cons
  • Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
  • Interest-free cash withdrawal available for 48 days only
  • The dining benefits provided by the card are satisfactory but not that great


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