# ICICI Bank Platinum Chip vs ICICI Coral

ICICI Bank Platinum Chip costs nothing a year and ICICI Coral ₹500. They differ on airport lounge access and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [ICICI Bank Platinum Chip](https://getbrief.cards/cards/icici-platinum), ICICI Bank
- [ICICI Coral](https://getbrief.cards/cards/icici-coral), ICICI Bank

| | ICICI Bank Platinum Chip | ICICI Coral |
|---|---|---|
| Annual fee | Lifetime free | ₹500 + GST |
| Fee waiver | Not needed | Waived at ₹1,50,000 spend per card year |
| Forex markup | 3.5% | 3.5% |
| On ₹1,00,000 spent abroad | ₹4,130 in markup and GST | ₹4,130 in markup and GST |
| Network | Visa | RuPay |
| Everyday spend | 2 RP / ₹100 retail | 2 RP / ₹100 (0.5%) |
| Rewards in | ICICI Reward Points (entry tier), ₹0.25 a point at the bank’s baseline | ICICI Reward Points (entry tier), ₹0.25 a point at the bank’s baseline |
| Transfer partners | 1 programme | 1 programme |
| Airport lounges | None | 4 domestic visits a year |
| Spend milestones | None | 1 milestone |
| Against a deposit | None | Yes, from ₹50,000 |
| Applications | Open | Open |
| Last checked | 7 July 2026 | 27 October 2026 |

## How each one earns

### ICICI Bank Platinum Chip

- 2 RP / ₹100 retail · verified · checked 17 June 2026
- Likely 6 RP/₹100 on hotels via iShop (the 'Other Credit Cards' tier; not confirmed for this card) · ~ unverified · checked 1 July 2026
- Likely 3 RP/₹100 on flights/vouchers via iShop (the 'Other Credit Cards' tier; not confirmed for this card) · ~ unverified · checked 1 July 2026
- 1 RP / ₹100 utilities & insurance · verified · checked 17 June 2026

Every rule on the ICICI Bank Platinum Chip page: https://getbrief.cards/cards/icici-platinum

### ICICI Coral

- 2 RP / ₹100 (0.5%) · ✓ official · checked 26 October 2026
- "Other Credit Cards" tier via iShop (hotels) · 6 RP/₹100 · community-verified · checked 1 July 2026
- "Other Credit Cards" tier via iShop (flights/vouchers) · 3 RP/₹100 · community-verified · checked 1 July 2026
- 2 Reward Points per ₹100 on UPI, the card’s own rates by merchant · ✓ official · checked 26 October 2026
- 2 RP / ₹100 grocery and department stores, capped at ₹20,000 of spend a statement cycle (400 RP) · ✓ official · checked 26 October 2026
- 2 RP / ₹100 on transportation, capped at ₹10,000 of spend a statement cycle (200 RP) · ✓ official · checked 27 October 2026

Every rule on the ICICI Coral page: https://getbrief.cards/cards/icici-coral


## Questions

### What is the annual fee of ICICI Bank Platinum Chip and ICICI Coral?

As of 27 October 2026, ICICI Bank Platinum Chip: lifetime free. ICICI Coral: ₹500 + GST, waived at ₹1,50,000 spend per card year.

### Which charges less on spend abroad, ICICI Bank Platinum Chip or ICICI Coral?

As of 27 October 2026, both charge a 3.5% markup: ₹4,130 on ₹1,00,000 spent abroad, GST included.

### Do ICICI Bank Platinum Chip and ICICI Coral come with airport lounge access?

As of 27 October 2026, ICICI Bank Platinum Chip: no airport lounge access. ICICI Coral: 4 domestic visits a year.


## Other cards side by side

- [ICICI Coral vs ICICI Bank Sapphiro](https://getbrief.cards/compare/icici-coral-vs-icici-sapphiro)
- [ICICI Coral vs ICICI Bank Rubyx](https://getbrief.cards/compare/icici-coral-vs-icici-rubyx)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/icici-platinum-vs-icici-coral