Side-by-side · honest numbers
ICICI Coral Credit Card vs IDFC FIRST Select Credit Card vs SBI Card PRIME
Honest side-by-side comparison of ICICI Coral Credit Card, IDFC FIRST Select Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
ICICI Coral Credit Card
ICICI Bank
IDFC FIRST Select Credit Card
IDFC FIRST Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | ICICI Coral Credit Card ICICI Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹2,999 |
| Fee waiver threshold | No waiver published | Lifetime free | ₹5,00,000/yr |
| Min income | ₹30,000/mo | ₹30,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹50/yr | ₹1,381/yr | -₹2,339/yr |
| Travel | — | — | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 2 RP/₹100 | 3X reward points | 5X reward points |
| Primary reward cap | ₹100/ticket | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/icici-coral-vs-idfc-first-select-vs-sbi-primeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST Select Credit Card ranks first for estimated net annual value — ahead of ICICI Coral Credit Card by about ₹1,431/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | ICICI Coral Credit Card ICICI Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹2,999 |
| Fee waiver threshold | No waiver published | Lifetime free | ₹5,00,000/yr |
| Min income | ₹30,000/mo | ₹30,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹50/yr | ₹1,381/yr | -₹2,339/yr |
| Travel | — | — | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 2 RP/₹100 | 3X reward points | 5X reward points |
| Primary reward cap | ₹100/ticket | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Select Credit Card leads with an estimated ₹1,381/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.
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