Head-to-head · 🇮🇳 India
ICICI Coral vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
ICICI Coral wins 5-4. Entry-tier card — easy approval, decent base earning, low fee. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | ICICI Coral | SBI Aurum |
|---|---|---|
| Annual fee | ₹500 | · ₹9,999 |
| Joining fee | ₹500 | · ₹9,999 |
| Top reward rate | · 1% (general) | 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹150,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹240,000 | · ₹3,500,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 4.2/5 | 4.6/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›ICICI Coral vs SBI Aurum: which is better?
ICICI Coral wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Coral for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.