ICICI Coral vs SBI SimplySAVE vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI SimplySAVE
4.2
Why this card wins: Everyday Spending — 10X rewards on dining, grocery, movies & dept stores
| Feature | ICICI Coral | SBI SimplySAVE | RBL ShopRite |
|---|---|---|---|
| Bank | ICICI Bank | SBI | RBL Bank |
| Card Type | Entry Level | Rewards | Cashback |
| Annual Fee | ₹500 + GST | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹500 + GST | ₹499 + GST | Nil |
| Rewards | 2 points per ₹100 on all spends | 10X rewards on dining, grocery, movies & dept stores | 5% cashback on grocery & supermarket |
| Best For | First Time Users | Everyday Spending | Grocery & Supermarket |
| 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 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | None | 500 bonus reward points | None |
| Min Income | ₹20,000/month | ₹20,000/month | ₹15,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | None | None |
| 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 | 4.2 | 4 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
RBL ShopRite
Grocery & Supermarket
Mastercard • Cashback
- 5% cashback on grocery spends (cap ₹200/month)
- 1% cashback on all other spends
- Fuel surcharge waiver
- Easy EMI conversion on large purchases
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.