ICICI Coral CC vs ICICI MMT Signature CC

[skywalker]

I currently have ICICI Coral CC, with ₹500 joining and annual charges. Been using it for over an year now. I’m getting an upgrade offer to MMT Signature CC in the app, with ₹2500 joining fees and 0 annual fees.

Should I consider upgrading? I don’t care about the reward points as ICICI CC reward points are trash anyway, but the factors that matter to me are:

1. BookMyShow ICICI discount
2. The card should be eligible in all the ICICI sales for discounts and offers (on Amazon, Flipkart, Myntra etc)

Considering the above 2 points, should I stay on Coral or should I upgrade to MMT Signature? Also, should I wait for the bank to offer me some other better pre-approved CC instead of upgrading to MMT Signature? My account is a regular savings account, not salary account.

 

[4uziaul]

You won't receive a better upgrade offer since this is a regular savings account. If it were a salary account, there would have been a chance for better upgrade options. As for the ICICI MMT Card, it is eligible for instant discounts and offers on eCommerce sites, and you can avail a 25% discount on BookMyShow and Inox. Additionally, the joining fee is a one-time payment, and you won't have to pay any annual fees. If you don't mind paying the ₹500 annual fees every year for the Coral card, then it's advisable to stick with it. Otherwise, the MMT Card seems better because it effectively becomes a LTF after you pay the joining fee, and it also covers your two conditions.

 

[chandra.prakash]

You won't receive a better upgrade offer since this is a regular savings account. If it were a salary account, there would have been a chance for better upgrade options. As for the ICICI MMT Card, it is eligible for instant discounts and offers on eCommerce sites, and you can avail a 25% discount on BookMyShow and Inox. Additionally, the joining fee is a one-time payment, and you won't have to pay any annual fees. If you don't mind paying the ₹500 annual fees every year for the Coral card, then it's advisable to stick with it. Otherwise, the MMT Card seems better because it effectively becomes a LTF after you pay the joining fee, and it also covers your two conditions.

Also mmt signature comes with dreamfolk membership which provide international longue access, Domestic loungue access, Railway longue access etc...

 

[Amit_]

Visa Signature card offers also come sometimes, so it's better to go with MMT Signature Card.

 

[Deleted member 5552]

I currently have ICICI Coral CC, with ₹500 joining and annual charges. Been using it for over an year now. I’m getting an upgrade offer to MMT Signature CC in the app, with ₹2500 joining fees and 0 annual fees.

Should I consider upgrading? I don’t care about the reward points as ICICI CC reward points are trash anyway, but the factors that matter to me are:

1. BookMyShow ICICI discount
2. The card should be eligible in all the ICICI sales for discounts and offers (on Amazon, Flipkart, Myntra etc)

Considering the above 2 points, should I stay on Coral or should I upgrade to MMT Signature? Also, should I wait for the bank to offer me some other better pre-approved CC instead of upgrading to MMT Signature? My account is a regular savings account, not salary account.

If you are ready to pay ₹2.5k plus GST, then go for it. You will get ₹ 1.5k cashback in MMT wallet