IRCTC HDFC Bank Credit Card vs ICICI Bank Coral
IRCTC HDFC Bank Credit Card by ₹4,500 a year at ₹75,000 a month
ICICI Bank Coral vs SimplySAVE SBI Card
ICICI Bank
SBI Card
SimplySAVE SBI Card vs ICICI Bank Coral: which should you pick?
Two ₹500 entry cards from ICICI and SBI. Coral pays 2 ICICI points per ₹100 on retail spend, 0.5% at ₹0.25 a point, and 1 on utilities and insurance; SimplySAVE pays 10X on dining, movies, departmental stores and grocery, 1.67% at four points to the rupee, and 0.17% on everything else. Coral out-earns SimplySAVE at every spend level the page tests. ₹500 waived at ₹1,50,000 of spend against ₹499 waived at ₹1,00,000. Coral opens a railway lounge visit every quarter with no spend gate and one domestic airport visit a quarter on ₹75,000 of the previous quarter's spend; SimplySAVE opens none.
ICICI Bank Coral is the better card at every spend we test, and its lead over SimplySAVE SBI Card grows as you spend more: ₹1,300 a year at ₹25,000 a month, ₹19,800 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: ICICI Bank Coral returns ₹4,000 a year in rewards to SimplySAVE SBI Card's ₹1,400. We found nothing SimplySAVE SBI Card does clearly better than ICICI Bank Coral on the rows below.
ICICI Bank Coral pays 9 annual spend milestones, the first at ₹2,00,000 a year, and SimplySAVE SBI Card pays none; SimplySAVE SBI Card runs a 1.7% booster on Dining, movies, departmental stores & grocery (10X), where ICICI Bank Coral earns one flat rate.
Side by side
| Fact | ICICI Bank Coral | SimplySAVE SBI Card |
|---|---|---|
| Can you get it | Open to apply | Open to apply |
| Fee (joining · annual, + GST) | ₹500/yr | ₹499/yr✓ Better |
| Fee waiver | Spend ₹1,50,000 a year | Spend ₹1,00,000 a year |
| Reward rate on everyday spend | 0.5%✓ Better | 0.2% |
| Points | ICICI Reward Points | SBI Reward Points |
| Our value per point | ₹1.00 † | ₹0.25 † |
| Transfer partners | 1✓ Better | None |
| Lounges it gets you into | 92 of 792✓ Better | 0 of 792 |
| Forex markup | 3.5% + GST | 3.5% + GST |
| Welcome benefit | not published | 2,000 bonus Reward Points worth ₹500 for spending ₹2,000 within 60 days of getting the card |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. ICICI Bank Coral is ahead on 9 of the 11 rows we can call.
More facts 6 rows
| Fact | ICICI Bank Coral | SimplySAVE SBI Card |
|---|---|---|
| Our rank | #111✓ Better | #201 |
| Our verdict | Downgrade | Keep |
| Lounge visits in India | 4/year (1/quarter) at the 71 rooms on ICICI's consolidated domestic list + 4 railway lounge visits/year (1/quarter, ungated) | None — the card is on neither Set A nor Set B of SBI's eligible-card lists |
| Lounge visits abroad | None | None published |
| Forex, in the bank’s words | 3.5% + GST | 3.5% + GST — SimplySAVE is in none of SBI's concession tiers (AURUM, Elite, Prime NRI Secured, Tata Neu Infinity and the MILES range); dynamic currency conversion is also 3.5% on transactions of ₹1,000 or more |
| Interest (APR) | 3.75%/mo (45%/yr) | up to 3.75%/mo (45%/yr) |
† ICICI Bank Coral: Coral redeems ICICI Reward Points at ₹0.25 apiece — a quarter of the ₹1.00 house value the Emeralde Private earns on iShop travel. ICICI publishes no per-point value for Coral itself, but the identically-programmed Rubyx membership kit states it outright: "Each reward point is equivalent to ₹0.25 when redeemed for cash." The ₹1 rate is documented only for Emeralde Private Metal and Times Black. The earn rate on this page is priced at that lower value.
† SimplySAVE SBI Card: SBI Reward Points are four to the rupee against the rewards catalogue — ₹0.25 a point, floor and ceiling. They reach no airline, no hotel and no transfer partner, and they expire 24 months from the date they accrue. On this card they can also be used to pay down the card's own outstanding, which is the same ₹0.25 by another route.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: ICICI Bank Coral and SimplySAVE SBI Card are both open to a direct application. How people actually get SimplySAVE SBI Card is on its card page.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | ICICI Bank Coral | SimplySAVE SBI Card |
|---|---|---|
| At ₹30,000 a month | ₹2,400✓ Better | ₹600 |
| At ₹75,000 a month | ₹6,000✓ Better | ₹1,400 |
| At ₹1.5 lakh a month | ₹10,500✓ Better | ₹2,800 |
| At ₹3 lakh a month | ₹18,500✓ Better | ₹5,700 |
| At ₹5 lakh a month | ₹29,200✓ Better | ₹9,400 |
| Pays for itself from | ₹10,000 a month | ₹9,000 a month, by waiving its fee✓ Better |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | ICICI Bank Coral | SimplySAVE SBI Card | Ahead |
|---|---|---|---|
| ₹25,000 | ₹1,800✓ Better | ₹500 | ICICI Bank Coral by ₹1,300 |
| ₹50,000 | ₹3,900✓ Better | ₹900 | ICICI Bank Coral by ₹3,000 |
| ₹75,000 | ₹6,000✓ Better | ₹1,400 | ICICI Bank Coral by ₹4,600 |
| ₹1 lakh | ₹7,800✓ Better | ₹1,900 | ICICI Bank Coral by ₹5,900 |
| ₹1.25 lakh | ₹9,200✓ Better | ₹2,400 | ICICI Bank Coral by ₹6,800 |
| ₹1.5 lakh | ₹10,500✓ Better | ₹2,800 | ICICI Bank Coral by ₹7,700 |
| ₹1.75 lakh | ₹11,800✓ Better | ₹3,300 | ICICI Bank Coral by ₹8,500 |
| ₹2 lakh | ₹13,200✓ Better | ₹3,800 | ICICI Bank Coral by ₹9,400 |
| ₹2.25 lakh | ₹14,500✓ Better | ₹4,300 | ICICI Bank Coral by ₹10,200 |
| ₹2.5 lakh | ₹15,900✓ Better | ₹4,700 | ICICI Bank Coral by ₹11,200 |
| ₹2.75 lakh | ₹17,200✓ Better | ₹5,200 | ICICI Bank Coral by ₹12,000 |
| ₹3 lakh | ₹18,500✓ Better | ₹5,700 | ICICI Bank Coral by ₹12,800 |
| ₹3.25 lakh | ₹19,900✓ Better | ₹6,100 | ICICI Bank Coral by ₹13,800 |
| ₹3.5 lakh | ₹21,200✓ Better | ₹6,600 | ICICI Bank Coral by ₹14,600 |
| ₹3.75 lakh | ₹22,500✓ Better | ₹7,100 | ICICI Bank Coral by ₹15,400 |
| ₹4 lakh | ₹23,900✓ Better | ₹7,600 | ICICI Bank Coral by ₹16,300 |
| ₹4.25 lakh | ₹25,200✓ Better | ₹8,000 | ICICI Bank Coral by ₹17,200 |
| ₹4.5 lakh | ₹26,500✓ Better | ₹8,500 | ICICI Bank Coral by ₹18,000 |
| ₹4.75 lakh | ₹27,900✓ Better | ₹9,000 | ICICI Bank Coral by ₹18,900 |
| ₹5 lakh | ₹29,200✓ Better | ₹9,400 | ICICI Bank Coral by ₹19,800 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 1 and 0
ICICI Bank Coral's ICICI Reward Points move to 1 airline and hotel partners; SimplySAVE SBI Card's SBI Reward Points cannot be moved to any.
Only ICICI Bank Coral: Air India Maharaja Club.
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
ICICI Bank Coral
- 0.5% reward rate — points redeem at just ₹0.25
- No welcome benefit whatsoever
- 3.5% forex — the wrong card abroad
SimplySAVE SBI Card
- The 10X caps at 5,000 Reward Points a calendar month — roughly ₹75,000 of accelerated spend, then it reverts to 1 RP per ₹150
- 0.17% on everything outside the four promoted categories: one Reward Point per ₹150, at 25 paise a point
- No lounge access of any kind, domestic or international, and 3.5% forex
Common questions 5 answered
Which is better, ICICI Bank Coral or SimplySAVE SBI Card?
ICICI Bank Coral is the better card at every spend we test, and its lead over SimplySAVE SBI Card grows as you spend more: ₹1,300 a year at ₹25,000 a month, ₹19,800 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: ICICI Bank Coral returns ₹4,000 a year in rewards to SimplySAVE SBI Card's ₹1,400. We found nothing SimplySAVE SBI Card does clearly better than ICICI Bank Coral on the rows below.
ICICI Bank Coral or SimplySAVE SBI Card: which is worth more at ₹3 lakh a month?
ICICI Bank Coral beats SimplySAVE SBI Card by ₹12,800 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, ICICI Bank Coral or SimplySAVE SBI Card?
SimplySAVE SBI Card: ₹499/yr against ₹500/yr. ICICI Bank Coral waives its fee if you spend ₹1,50,000 a year; SimplySAVE SBI Card waives its fee if you spend ₹1,00,000 a year.
Which gets you into more airport lounges, ICICI Bank Coral or SimplySAVE SBI Card?
ICICI Bank Coral: 92 of the 792 lounges we track, against 0 for SimplySAVE SBI Card. Visit limits and guest charges differ by card; each card's page lists them.
How current is this comparison?
ICICI Bank Coral was last checked against its bank's own documents on 24 Oct 2026, SimplySAVE SBI Card on 3 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Related comparisons
HDFC Bank Millennia vs ICICI Bank Coral
HDFC Bank Millennia by ₹6,500 a year at ₹75,000 a month
ICICI Bank Coral vs ICICI Bank Rubyx
ICICI Bank Rubyx by ₹600 a year at ₹75,000 a month
Sources
ICICI Bank Coral was last checked against its bank's own documents on 24 Oct 2026, SimplySAVE SBI Card on 3 Oct 2026. Every fact above comes from these 17 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 17 sources
- Official Product page — ₹500 joining + ₹500 annual (waived at ₹1.5L), 2 RP/₹100 retail and 1 on utility/insurance, 3.5% forex, quarterly lounge at ₹75k, 4 railway lounges read
- Official Coral membership guide — 2 RP per ₹100 on all purchases except fuel read
- Official MITC (last updated 2 Aug 2026) — one Coral fee row for every network variant: ₹500 joining + ₹500 annual, reversed at ₹1,50,000 read
- Official Rubyx membership kit — the ICICI Bank Rewards Programme rate Coral shares, stated verbatim: "Each reward point is equivalent to ₹0.25 when redeemed for cash" read
- Official ICICI RuPay lineup (lists Coral RuPay — a network variant, not a second card) read
- Community CardInsider — 1 RP = ₹0.25 redemption value; Visa/RuPay/Mastercard/Amex variants; no welcome benefit read
- Official The card's own Terms & Conditions — the Visa/Mastercard/RuPay network line, the 5,000-point monthly cap on the 10X, the four promoted MCCs, the fuel exclusion and the 24-month point expiry read
- Official Product page — 10X on dining, movies, departmental stores and grocery, 1 RP per ₹150 elsewhere, 4 Reward Points = ₹1, and the ₹499 fee reversed at ₹1 lakh of annual spend read
- Official KVB SimplySAVE SBI Card — one of seven partner-bank editions carrying an identical fee, waiver, earn rate and monthly cap read
- Official SBI's MITC — SimplySAVE SBI Card ₹499 annual and ₹499 renewal, waived on ₹1 lakh of spend in the preceding year, and the separate fee row for the UPI edition read
- Official Key Fact Statement — SimplySAVE ₹499 joining and ₹499 renewal, and the separate fee row for the Advantage edition read
- Official Allahabad Bank SimplySAVE SBI Card product page (archived 19-Aug-2019) — ₹499 joining and renewal, the same 10X tap and ₹1 lakh fee reversal as this card read
- Official Oriental Bank of Commerce SBI Card — ₹499, the 10X departmental-and-grocery tap and the ₹75,000 fee reversal this card carried in 2016 read
- Official Lakshmi Vilas Bank SBI SimplySAVE Credit Card (archived 15-Apr-2016) — ₹499 and the same 2.5% departmental-store and grocery value back read
- Official BMB Gold & More Credit Card (archived 15-Apr-2016) — ₹499 joining and annual, ₹75,000 reversal and this card's earn, under a name SBI had retired read
- Official SBI Bank of Maharashtra Card on SBI's pre-migration host (archived 05-Aug-2012) — ₹499 joining and annual, the ₹75,000 reversal and this card's 2.5% departmental-store and grocery value back read
- Official SBI Card's Airport Lounge Access page (the Set A and Set B card lists) — the programme document this card's lounge entitlement is read against read