InterMiles HDFC Bank Platinum vs InterMiles ICICI Bank Coral Credit Card (2026)
InterMiles ICICI Bank Coral Credit Card vs InterMiles HDFC Bank Platinum: which wins?
₹18,224ranking value a year at ₹3L a month, to InterMiles HDFC Bank Platinum
Skip the duel — the board, ranked → · nothing to sign up for
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 0.5% at ₹1,000/yr against 0.4% at ₹1,250/yr.
InterMiles HDFC Bank Platinum out-earns InterMiles ICICI Bank Coral Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| InterMiles HDFC Bank Platinum | Metric | InterMiles ICICI Bank Coral Credit Card |
|---|---|---|
| closed | Our rank | closed |
| ₹1,000/yr — wins this row | Fee — joining · annual (+ GST) | ₹1,250/yr |
| None | Fee waiver | None |
| not published | Forex markup | not published |
| not published | APR | not published |
| 0.5% — wins this row | Headline earn rate | 0.4% |
| InterMiles | Currency | InterMiles |
| ₹0.20/pt | House value | ₹0.20/pt |
| — | Welcome benefit | 2,500 bonus InterMiles plus a ₹250 flight and ₹500 hotel discount voucher for intermiles.com, released 45 working days after the joining fee was realised — and 1,250 InterMiles again on each renewal. None of it is claimable today. |
| 0 of 793 | Lounge doors opened | 0 of 793 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: InterMiles HDFC Bank Platinum and InterMiles ICICI Bank Coral Credit Card are both closed to new applications, and only grandfathered holders still have it. How people actually get each one is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
InterMiles HDFC Bank Platinum out-earns InterMiles ICICI Bank Coral Credit Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
InterMiles HDFC Bank Platinum leads at all 20 steps, but not by the same amount: ₹652 at ₹0.25L a month, ₹8,290 at ₹5L — the gap fans out with spend, widest at ₹5L (₹8,290).
InterMiles HDFC Bank Platinum draws above the line, InterMiles ICICI Bank Coral Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | InterMiles HDFC Bank Platinum | InterMiles ICICI Bank Coral Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹602 | −₹50 | InterMiles HDFC Bank Platinum by ₹652 |
| ₹0.5L | ₹2,204 | ₹1,150 | InterMiles HDFC Bank Platinum by ₹1,054 |
| ₹0.75L | ₹3,806 | ₹2,350 | InterMiles HDFC Bank Platinum by ₹1,456 |
| ₹1L | ₹5,408 | ₹3,550 | InterMiles HDFC Bank Platinum by ₹1,858 |
| ₹1.25L | ₹7,010 | ₹4,750 | InterMiles HDFC Bank Platinum by ₹2,260 |
| ₹1.5L | ₹8,612 | ₹5,950 | InterMiles HDFC Bank Platinum by ₹2,662 |
| ₹1.75L | ₹10,214 | ₹7,150 | InterMiles HDFC Bank Platinum by ₹3,064 |
| ₹2L | ₹11,816 | ₹8,350 | InterMiles HDFC Bank Platinum by ₹3,466 |
| ₹2.25L | ₹13,418 | ₹9,550 | InterMiles HDFC Bank Platinum by ₹3,868 |
| ₹2.5L | ₹15,020 | ₹10,750 | InterMiles HDFC Bank Platinum by ₹4,270 |
| ₹2.75L | ₹16,622 | ₹11,950 | InterMiles HDFC Bank Platinum by ₹4,672 |
| ₹3L | ₹18,224 | ₹13,150 | InterMiles HDFC Bank Platinum by ₹5,074 |
| ₹3.25L | ₹19,826 | ₹14,350 | InterMiles HDFC Bank Platinum by ₹5,476 |
| ₹3.5L | ₹21,428 | ₹15,550 | InterMiles HDFC Bank Platinum by ₹5,878 |
| ₹3.75L | ₹23,030 | ₹16,750 | InterMiles HDFC Bank Platinum by ₹6,280 |
| ₹4L | ₹24,632 | ₹17,950 | InterMiles HDFC Bank Platinum by ₹6,682 |
| ₹4.25L | ₹26,234 | ₹19,150 | InterMiles HDFC Bank Platinum by ₹7,084 |
| ₹4.5L | ₹27,836 | ₹20,350 | InterMiles HDFC Bank Platinum by ₹7,486 |
| ₹4.75L | ₹29,438 | ₹21,550 | InterMiles HDFC Bank Platinum by ₹7,888 |
| ₹5L | ₹31,040 | ₹22,750 | InterMiles HDFC Bank Platinum by ₹8,290 |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn InterMiles, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
InterMiles HDFC Bank Platinum · 3 more →
- PHASED OUT — HDFC discontinued all product features on 15 December 2024 and migrated every holder
- InterMiles already credited to an InterMiles account cannot be converted back to HDFC Reward Points
- Only retail purchases above ₹150 ever qualified for InterMiles
InterMiles ICICI Bank Coral Credit Card · 4 more →
- RETIRED — ICICI's product page for this card no longer exists; the URL resolves to the generic card listing, and no fee or rate here is claimable today
- The co-brand is absent from ICICI's August 2026 MITC entirely, so nothing about this card is published by the bank any more — the figures here come from its own archived pages
- Accrual was capped at 40,000 InterMiles per anniversary year, and ICICI charged ₹7,500 to lift the cap for the rest of that cycle — a ceiling you paid through, not one you earned past
The call
For the ₹1L/month spender, InterMiles HDFC Bank Platinum nets ₹5,408 against ₹3,550 — a ₹1,858 gap. At ₹5L/month, InterMiles HDFC Bank Platinum nets ₹31,040 against ₹22,750 — a ₹8,290 gap. Lounge chasers get no tiebreak here: both open 0 of 793 tracked doors.
Our standing verdicts: InterMiles HDFC Bank Platinum — Cancel; InterMiles ICICI Bank Coral Credit Card — Cancel. InterMiles HDFC Bank Platinum takes 5 of the 5 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, InterMiles HDFC Bank Platinum or InterMiles ICICI Bank Coral Credit Card?
InterMiles HDFC Bank Platinum. InterMiles HDFC Bank Platinum takes 5 of the 5 rounds we can score. InterMiles HDFC Bank Platinum out-earns InterMiles ICICI Bank Coral Credit Card at every spend level we model, from ₹25k to ₹5L a month.
InterMiles HDFC Bank Platinum or InterMiles ICICI Bank Coral Credit Card — which earns more at ₹3L a month?
At ₹3L a month, InterMiles HDFC Bank Platinum nets ₹18,224 against ₹13,150 — a ₹5,074 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, InterMiles HDFC Bank Platinum or InterMiles ICICI Bank Coral Credit Card?
InterMiles HDFC Bank Platinum — ₹1,000/yr against ₹1,250/yr. InterMiles HDFC Bank Platinum waives its fee at no spend level — there is no waiver; InterMiles ICICI Bank Coral Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, InterMiles HDFC Bank Platinum or InterMiles ICICI Bank Coral Credit Card?
Lounge chasers get no tiebreak here: both open 0 of 793 tracked doors.
How current is this comparison?
Card records last re-verified against their issuers' own documents: InterMiles HDFC Bank Platinum on 2026-08-22, InterMiles ICICI Bank Coral Credit Card on 2026-08-24. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against HDFC Bank and ICICI Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official InterMiles Platinum product page — the phase-out notice, the 15 December 2024 switch-off, the portal doubling and the bonus-InterMiles ladder as they stood
- official Fees and charges — ₹1,000 joining and renewal membership fee, with no waiver published
- official ICICI's own path for the card — it no longer serves a product page and resolves to the generic card listing
- official ICICI's privileges page for the Coral tier, Nov 2022 — the card's four-rung InterMiles earn table, the 40,000-mile annual cap, the welcome and renewal bonuses and the Etihad fare discount
- official The InterMiles ICICI Bank Coral product page as it last stood, Sept 2023 — the card's own joining and annual fee, its welcome and renewal bonuses and the 40,000-mile earn cap
- official MITC (last updated 2 Aug 2026) — prices thirty ICICI variants and contains no InterMiles row of any kind, which is why nothing here is a live figure