ICICI Bank HPCL Coral Credit Card vs HDFC Moneyback 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

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

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

• The ICICI Bank HPCL Coral Credit Card does not provide statement credit
• No Golf Privileges
• No Complimentary Airport Lounge access

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Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%