Head-to-head · 🇮🇳 India
SBI SimplyClick vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 4 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | SBI SimplyClick | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹499 | ₹199 |
| Joining fee | · ₹499 | ₹199 |
| Top reward rate | 10% (shopping) | · 5% (fuel) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹100,000 / yr | ₹50,000 / yr |
| Min income | · ₹300,000 | ₹250,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.4/5 | · 4/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›SBI SimplyClick vs ICICI HPCL Coral: which is better?
It's a true tie — pick the one whose boost categories match your spend. SBI SimplyClick wins on 4 criteria, ICICI HPCL Coral on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.