ICICI Bangalore Metro Coral MasterCard Platinum DC vs Times Black Icici Bank Credit Card: Which is Better in 2026?
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The ICICI Bangalore Metro Coral MasterCard Platinum DC offers no notable benefits, while the Times Black ICICI Bank Credit Card provides a range of rewards and perks. This comparison highlights the stark differences in value and features between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | ICICI Bangalore Metro Coral MasterCard Platinum DC | Times Black Icici Bank Credit Card |
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.20000 |
| Annual / renewal fee | — | Annual Fee of Rs.20000 |
| Annual fee waiver | — | Spend Rs.25 lakh For Annual Fees Waiver |
| Reward rate (headline) | — | 2% Reward Points on Insurance Transactions |
| Lounge — domestic | — | Complimentary Access for Two at Encalm Xenia - An Elite First-Class Lounge |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Interflora - Gift voucher worth Rs.1000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 1.49% - Foreign Currency Transactions |
Which is better for rewards?
The Times Black ICICI Bank Credit Card clearly excels in the rewards department, offering 2% reward points on various transactions, including insurance and utilities. Additionally, it features accelerated rewards for flights and hotel bookings, making it a better choice for users who prioritize earning rewards on their spending. In contrast, the ICICI Bangalore Metro Coral MasterCard Platinum DC lacks any reward structure, making it less appealing for reward-seeking consumers.
Which is better for travel?
For travel benefits, the Times Black ICICI Bank Credit Card stands out with unlimited complimentary international lounge access and domestic lounge visits, enhancing the travel experience for cardholders. The ICICI Bangalore Metro Coral MasterCard Platinum DC, however, offers no travel-related perks, making it unsuitable for frequent travelers.
Which has lower effective cost?
Both cards have high annual fees, with the Times Black ICICI Bank Credit Card charging a joining fee and renewal fee of Rs. 20,000. However, it offers a fee waiver upon spending Rs. 25 lakh annually, which may be beneficial for high spenders. The ICICI Bangalore Metro Coral MasterCard Platinum DC does not disclose any fees, which could imply a more straightforward cost structure but lacks any substantial benefits to justify its use.
Who should pick ICICI Bangalore Metro Coral MasterCard Platinum DC?
Consider ICICI Bangalore Metro Coral MasterCard Platinum DC if you prefer a card with no annual fees and minimal complexity. This card may suit beginners or those who do not frequently use credit cards and seek a no-frills option.
Who should pick Times Black Icici Bank Credit Card?
Consider Times Black ICICI Bank Credit Card if you are a frequent traveler or a high spender looking for robust rewards and travel benefits. The extensive perks and rewards structure make it ideal for users who can meet the spending thresholds to maximize their benefits.
Frequently Asked Questions
The Times Black ICICI Bank Credit Card has an annual fee of Rs. 20,000, while the ICICI Bangalore Metro Coral MasterCard Platinum DC does not disclose any fees.
No, the ICICI Bangalore Metro Coral MasterCard Platinum DC does not offer any rewards or benefits.
The Times Black ICICI Bank Credit Card offers unlimited complimentary international lounge visits and domestic lounge access for two.
Yes, the Times Black ICICI Bank Credit Card offers a fee waiver if you spend Rs. 25 lakh annually.