ICICI Coral vs SBI SimplyCLICK
Side-by-side credit card comparison to help you choose the best one.
SBI SimplyCLICK
Why this card wins: Direct Online Shopping — 10X Reward Points on online partners
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | SBI |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹500 + GST | ₹499 + GST |
| Joining Fee | ₹500 + GST | ₹499 + GST |
| Rewards | 2 points per ₹100 on all spends | 10X Reward Points on online partners |
| Best For | First Time Users | Direct Online Shopping |
| 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 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | ₹500 Amazon gift card |
| Min Income | ₹20,000/month | ₹20,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4.1 | 4.3 |
| 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 SimplyCLICK
Direct Online Shopping
Visa • Cashback
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
Verdict
Based on rating and overall value, SBI SimplyCLICK ranks highest among your selected cards. It excels at Direct Online Shopping and offers 10X Reward Points on online partners.
Frequently asked questions
Which is better: ICICI Coral or SBI SimplyCLICK?
SBI SimplyCLICK has the higher CardKhoj rating (4.3/5) and is best for direct online shopping. 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 SimplyCLICK?
SBI SimplyCLICK is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for ICICI Coral.
Do ICICI Coral and SBI SimplyCLICK offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). SBI SimplyCLICK: 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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