ICICI Coral vs SBI ELITE vs SBI SimplySAVE
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | ICICI Coral | SBI ELITE | SBI SimplySAVE |
|---|---|---|---|
| Bank | ICICI Bank | SBI | SBI |
| Card Type | Entry Level | Super Premium | Rewards |
| Annual Fee | ₹500 + GST | ₹4,999 + GST | ₹499 + GST |
| Joining Fee | ₹500 + GST | ₹4,999 + GST | ₹499 + GST |
| Rewards | 2 points per ₹100 on all spends | 2X reward points on dining, movies & grocery | 10X rewards on dining, grocery, movies & dept stores |
| Best For | First Time Users | Premium Lifestyle | Everyday Spending |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹3,00,000 - ₹15,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | 5000 bonus reward points | 500 bonus reward points |
| Min Income | ₹20,000/month | ₹60,000/month | ₹20,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | Unlimited domestic + 6 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | ₹249 + GST |
| Rating | 4.1 | 4.6 | 4.2 |
| 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
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.