Side-by-side · honest numbers
IRCTC ICICI Bank Credit Card vs RBL Bank Icon Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of IRCTC ICICI Bank Credit Card, RBL Bank Icon Credit Card, SBI SimplyCLICK — 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 SimplyCLICK ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹718/yr.
| Feature | IRCTC ICICI Bank Credit Card ICICI Bank | RBL Bank Icon Credit Card RBL Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹5,000 | ₹499 |
| Min income (monthly) | ₹20,000 | ₹50,000 | ₹20,000 |
| Top reward rate | 10% reward points | 2X points/₹150 | 10X points |
| Net annual value (moderate spend) | ₹1,063/yr | -₹4,803/yr | ₹1,781/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI SimplyCLICK leads with an estimated ₹1,781/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Your adjusted comparison
| Feature | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹5,000 | ₹499 |
| Min income | ₹20,000 | ₹50,000 | ₹20,000 |
| Top reward rate | 10% reward points | 2X points/₹150 | 10X points |
| Net value (moderate) | ₹1,063/yr | -₹4,803/yr | ₹1,781/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹500 |
More IRCTC ICICI Bank Credit Card comparisons
- IRCTC ICICI Bank Credit Card vs 811 Dream Different Credit Card
- IRCTC ICICI Bank Credit Card vs AU Altura Credit Card
- IRCTC ICICI Bank Credit Card vs AU Zenith Credit Card
- IRCTC ICICI Bank Credit Card vs American Express Gold Card
- IRCTC ICICI Bank Credit Card vs American Express Platinum Travel Card
- IRCTC ICICI Bank Credit Card vs Amex Membership Rewards CC
- IRCTC ICICI Bank Credit Card vs Axis Bank ACE Credit Card
- IRCTC ICICI Bank Credit Card vs Axis Bank Atlas Credit Card
- IRCTC ICICI Bank Credit Card vs Axis Bank Flipkart Credit Card
- IRCTC ICICI Bank Credit Card vs Axis Bank Magnus Credit Card
- IRCTC ICICI Bank Credit Card vs Axis Bank My Zone Credit Card
- IRCTC ICICI Bank Credit Card vs Axis Bank Neo Credit Card