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HDFC Shoppers Stop RuPay vs ICICI Coral RuPay Credit Card

A head-to-head comparison of HDFC Shoppers Stop RuPay and ICICI Coral RuPay Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A
Annual Fee
₹299
Reward Rate
UPI + Retail Rewards
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RuPay & UPICard B

ICICI Coral RuPay Credit Card

Everyday UPI & Bank Offers

Annual Fee
₹500
Reward Rate
2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)
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Feature comparison

FeatureHDFC ShoppersICICI Coral
Annual Fee₹299 (No waiver — ₹2L spend gives bonus First Citizen Points instead)₹500 (Waived on ₹1.5L spend)
Reward RateUPI + Retail Rewards2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)
Best ForFashion & UPIEveryday UPI & Bank Offers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC ShoppersICICI Coral
UPI payments
Airport lounge access

Quick verdict

Choose HDFC Shoppers Stop RuPay if:

  • Lower annual fee (₹299 vs ₹500)

Choose ICICI Coral RuPay Credit Card if:

  • You spend heavily on airport lounge access

Full pros & cons

HDFC Shoppers Stop RuPay

What's good
  • Dual benefit of UPI rewards and in-store retail multipliers
  • Complimentary Shoppers Stop First Citizen membership
  • Exclusive access to Shoppers Stop sale events
Watch out for
  • Niche rewards primarily useful only inside Shoppers Stop
  • Negligible cashback rate on spends outside Shoppers Stop
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ICICI Coral RuPay Credit Card

What's good
  • Seamless UPI integration for daily merchant scans
  • 1 complimentary domestic lounge visit per quarter
  • Unlocks ICICI bank discount days on Amazon/Flipkart
Watch out for
  • Very low base reward rate — 0.5% effective (₹0.25 per PAYBACK point)
  • Lounge access requires ₹75,000 spend in the previous quarter (revised from ₹35,000)
Apply Now
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