Side-by-side · honest numbers
ICICI Coral Credit Card vs SBI Card PRIME vs YES Bank Marquee Credit Card
Honest side-by-side comparison of ICICI Coral Credit Card, SBI Card PRIME, YES Bank Marquee Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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ICICI Coral Credit Card
ICICI Bank
SBI Card PRIME
SBI Card
YES Bank Marquee Credit Card
YES Bank
Your adjusted comparison
| Feature | ICICI Coral Credit Card ICICI Bank | SBI Card PRIME SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹2,999 | ₹9,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr | No waiver published |
| Min income | ₹30,000/mo | ₹45,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹50/yr | -₹2,339/yr | -₹10,839/yr |
| Travel | — | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 2 RP/₹100 | 5X reward points | 4 RP/₹150 |
| 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 | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹3,000 | — |
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https://cardhungry.com/in/en/compare/icici-coral-vs-sbi-prime-vs-yes-marqueeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Coral Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹2,289/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 | SBI Card PRIME SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹2,999 | ₹9,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr | No waiver published |
| Min income | ₹30,000/mo | ₹45,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹50/yr | -₹2,339/yr | -₹10,839/yr |
| Travel | — | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 2 RP/₹100 | 5X reward points | 4 RP/₹150 |
| 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 | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹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?
- ICICI Coral Credit Card leads with an estimated -₹50/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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