Side-by-side · honest numbers
ICICI Coral Credit Card vs SBI Cashback Credit Card vs SBI Card ELITE
Honest side-by-side comparison of ICICI Coral Credit Card, SBI Cashback Credit Card, SBI Card ELITE — 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 Cashback Credit Card ranks first for estimated net annual value — ahead of SBI Card ELITE by about ₹5,049/yr.
| Feature | ICICI Coral Credit Card ICICI Bank | SBI Cashback Credit Card SBI Card | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹999 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹30,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹90/yr | ₹6,750/yr | ₹1,701/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | — | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2 RP/₹100 | 5% | 5X reward points |
| Primary reward cap | ₹100/ticket | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | None | 8 complimentary domestic lounge visits per 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 | Fuel · Utilities · Insurance · Rent · Wallet loads | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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 Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
- 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.
ICICI Coral Credit Card
ICICI Bank
SBI Cashback Credit Card
SBI Card
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | 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 CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹999 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹30,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹90/yr | ₹6,750/yr | ₹1,701/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | — | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2 RP/₹100 | 5% | 5X reward points |
| Primary reward cap | ₹100/ticket | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | None | 8 complimentary domestic lounge visits per 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 | Fuel · Utilities · Insurance · Rent · Wallet loads | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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https://cardhungry.com/in/en/compare/icici-coral-vs-sbi-cashback-vs-sbi-eliteMore ICICI Coral Credit Card comparisons
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