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Side-by-Side Comparison|Updated March 2026

ICICI Bank Coral Credit Card vs SBI Card PRIME

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank Coral Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Coral Credit CardSBI Card PRIME
Annual Fee₹500₹2,999
Joining Fee₹500₹2,999
Fee Waiver Spend₹1,50,000₹3,00,000
Base Reward Rate0.5%0.125%
Reward CurrencyICICI Bank Reward PointsReward Points
NetworkVisaVisa
Editor Rating6.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Coral Credit Card

  • 0% on iShop Spends

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

Pros & Cons

ICICI Bank Coral Credit Card

Pros

  • Earn 2 reward points for every ₹100 spent on retail (except fuel).
  • 25% discount up to ₹100 on BookMyShow and INOX twice a month.
  • Complimentary domestic airport and railway lounge access every quarter.
  • Milestone bonus of up to 10,000 reward points per year.

Cons

  • Lounge access requires a high quarterly spend of ₹75,000.
  • Movie benefits now require a minimum quarterly spend of ₹25,000.
  • Low reward redemption value of ₹0.25 per point.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Both ICICI Bank Coral Credit Card and SBI Card PRIME are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose ICICI Bank Coral Credit Card if

Low annual fee and easy fee waiver with basic lifestyle perks.

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: ICICI Bank Coral Credit Card or SBI Card PRIME?
Both ICICI Bank Coral Credit Card and SBI Card PRIME are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between ICICI Bank Coral Credit Card and SBI Card PRIME?
ICICI Bank Coral Credit Card has an annual fee of ₹500, while SBI Card PRIME has an annual fee of ₹2,999. ICICI Bank Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: ICICI Bank Coral Credit Card or SBI Card PRIME?
ICICI Bank Coral Credit Card offers a base reward rate of 0.5% with accelerated rewards on iShop Spends. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Coral Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Coral Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Coral Credit Card or SBI Card PRIME?
For beginners, ICICI Bank Coral Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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