Which card has the lower annual fee?

ICICI Coral Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Amex Membership Rewards CC vs ICICI Coral Credit Card vs SBI Card PRIME

Honest side-by-side comparison of Amex Membership Rewards CC, ICICI Coral Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card PRIME ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹679/yr.

Amex Membership Rewards CC vs ICICI Coral Credit Card vs SBI Card PRIME comparison table
Feature	Amex Membership Rewards CC American Express	ICICI Coral Credit Card ICICI Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹4,500	₹500	₹2,999
Fee waiver threshold	No waiver published	No waiver published	₹5,00,000/yr
Min income	₹60,000/mo	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹90/yr	₹1,501/yr
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	2 RP/₹150	2 RP/₹100	4X reward points
Primary reward cap	No monthly cap published	₹100/ticket	No monthly cap published
Perks & restrictions
Lounge access	None	Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	—	₹3,000

Frequently asked questions

Which card has the lower annual fee?: ICICI Coral Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Amex Membership Rewards CC

American Express

Card 2

ICICI Coral Credit Card

ICICI Bank

Card 3

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express	ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI Bank	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹4,500	₹500	₹2,999
Fee waiver threshold	No waiver published	No waiver published	₹5,00,000/yr
Min income	₹60,000/mo	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹90/yr	₹1,501/yr
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	2 RP/₹150	2 RP/₹100	4X reward points
Primary reward cap	No monthly cap published	₹100/ticket	No monthly cap published
Perks & restrictions
Lounge access	None	Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	—	₹3,000

Amex Membership Rewards CC details →ICICI Coral Credit Card details →SBI Card PRIME details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons