Compare PNB BLISS RuPay Platinum Credit Card and ICICI Bank Coral Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Lifestyle-focused users who can use recurring entertainment, wellness and lounge perks and naturally clear the ₹1 lakh annual-fee waiver threshold.
Entry-to-mid-tier users who value movie discounts, basic rewards and occasional domestic lounge access enough to justify a ₹500 annual fee.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/pnb-bliss-rupay-platinum-credit-card-vs-icici-coral-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | PNB BLISS RuPay Platinum Credit Card | ICICI Bank Coral Credit Card |
|---|---|---|
| Joining fee | Nil | ₹500 + GST |
| Annual fee | ₹510 + applicable taxes | ₹500 + GST |
| Fee waiver | Annual fee waived when annual card spend is at least ₹1 lakh in the preceding year | Annual fee waived for the next year on spends over ₹1.5 lakh |
| Rewards | 1 PNB Reward Point per ₹100 on eligible retail-category spend | 2 ICICI Bank Reward Points per ₹100 on eligible retail spends; 1 point per ₹100 on eligible utility and insurance spends on the reviewed issuer page |
| Lounge | 4 complimentary domestic lounge visits per year (1 per quarter) and 1 complimentary international lounge visit per year | 1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter, for the primary cardholder; 1 complimentary railway lounge visit per quarter is listed separately. |
| Forex markup | 3.50% foreign-currency markup over the network conversion rate | 3.5% foreign-currency markup |
| Network | RuPay Platinum | Visa / Mastercard / RuPay variant as offered |
| Eligibility / approval | PNB lists gross annual income of ₹3.6 lakh and above for BLISS, with approval subject to the bank’s underwriting | Subject to ICICI Bank underwriting and approval; current product terms and documentation requirements apply |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources