Head-to-head · 🇮🇳 India
ICICI Coral vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
SBI Card
SBI Prime
Wins 2 of 10
Verdict
ICICI Coral wins 5-2. Entry-tier card — easy approval, decent base earning, low fee. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | ICICI Coral | SBI Prime |
|---|---|---|
| Annual fee | ₹500 | · ₹2,999 |
| Joining fee | ₹500 | · ₹2,999 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹150,000 / yr | · ₹300,000 / yr |
| Min income | ₹240,000 | · ₹480,000 |
| Min credit score | 700 | · 750 |
| Editorial rating | = 4.2/5 | = 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›ICICI Coral vs SBI Prime: which is better?
ICICI Coral wins on more dimensions (5 vs 2). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).