ICICI Coral vs SBI CashBack Card
Side-by-side credit card comparison to help you choose the best one.
SBI CashBack Card
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | SBI |
| Card Type | Entry Level | Premium Cashback |
| Annual Fee | ₹500 + GST | ₹999 + GST |
| Joining Fee | ₹500 + GST | ₹999 + GST |
| Rewards | 2 points per ₹100 on all spends | 5% Cashback on ALL online spends |
| Best For | First Time Users | Pure Cashback |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹20,000/month | ₹30,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST |
| Rating | 4.1 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
Verdict
Based on rating and overall value, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.
Frequently asked questions
Which is better: ICICI Coral or SBI CashBack Card?
SBI CashBack Card has the higher CardKhoj rating (4.5/5) and is best for pure cashback. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Coral and SBI CashBack Card?
ICICI Coral is cheaper to hold at ₹500 + GST, compared with ₹999 + GST for SBI CashBack Card.
Do ICICI Coral and SBI CashBack Card offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). SBI CashBack Card: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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