ICICI Coral vs SBI SimplySAVE
Side-by-side credit card comparison to help you choose the best one.
SBI SimplySAVE
Why this card wins: Everyday Spending — 10X rewards on dining, grocery, movies & dept stores
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | SBI |
| Card Type | Entry Level | Rewards |
| Annual Fee | ₹500 + GST | ₹499 + GST |
| Joining Fee | ₹500 + GST | ₹499 + GST |
| Rewards | 2 points per ₹100 on all spends | 10X rewards on dining, grocery, movies & dept stores |
| Best For | First Time Users | Everyday Spending |
| 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 bonus reward points |
| 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 | 4.2 |
| 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
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 SimplySAVE ranks highest among your selected cards. It excels at Everyday Spending and offers 10X rewards on dining, grocery, movies & dept stores.
Frequently asked questions
Which is better: ICICI Coral or SBI SimplySAVE?
SBI SimplySAVE has the higher CardKhoj rating (4.2/5) and is best for everyday spending. 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 SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for ICICI Coral.
Do ICICI Coral and SBI SimplySAVE offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). SBI SimplySAVE: 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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