ICICI Coral vs SBI SimplyCLICK vs BoB Eterna
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI SimplyCLICK
4.3
Why this card wins: Direct Online Shopping — 10X Reward Points on online partners
| Feature | ICICI Coral | SBI SimplyCLICK | BoB Eterna |
|---|---|---|---|
| Bank | ICICI Bank | SBI | Bank of Baroda |
| Card Type | Entry Level | Cashback | Premium |
| Annual Fee | ₹500 + GST | ₹499 + GST | ₹2,499 + GST |
| Joining Fee | ₹500 + GST | ₹499 + GST | ₹2,499 + GST |
| Rewards | 2 points per ₹100 on all spends | 10X Reward Points on online partners | 6 reward points per ₹100 on all spends |
| Best For | First Time Users | Direct Online Shopping | Travel & Dining |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹3,00,000 | ₹1,50,000 - ₹5,00,000 |
| Welcome Benefit | None | ₹500 Amazon gift card | 2000 bonus reward points |
| Min Income | ₹20,000/month | ₹20,000/month | ₹40,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | None | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST | Free |
| Rating | 4.1 | 4.3 | 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
Our Pick
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
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
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.