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Side-by-Side Comparison|Updated March 2026

ICICI Bank NRI Coral Credit Card vs SBI Card ELITE

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

ICICI Bank

ICICI Bank NRI Coral Credit Card

7/10
Annual Fee₹500
Base Rewards0.125%
NetworkVisa
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SBI Card

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
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Feature-by-Feature Comparison

FeatureICICI Bank NRI Coral Credit CardSBI Card ELITE
Annual Fee₹500₹4,999
Joining Fee₹1,000₹4,999
Fee Waiver Spend₹1,50,000₹10,00,000
Base Reward Rate0.125%0.5%
Reward CurrencyICICI Bank Reward PointsSBI Reward Points
NetworkVisaVisa
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank NRI Coral Credit Card

No accelerated rewards listed

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

Pros & Cons

ICICI Bank NRI Coral Credit Card

Pros

  • Earn 2 Reward Points for every ₹100 spent on retail transactions.
  • 1 complimentary domestic airport lounge visit per quarter on spending ₹75,000 in the previous quarter.
  • 25% discount up to ₹100 on movie tickets via BookMyShow and INOX twice monthly.
  • 15% savings on dining bills at over 2,500 partner restaurants via ICICI Culinary Treats.

Cons

  • High quarterly spend requirement of ₹75,000 for lounge access.
  • Low reward redemption value of ₹0.25 per point.
  • No international lounge access included.

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

SBI Card ELITE edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank NRI Coral Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank NRI Coral Credit Card if

Ideal for NRIs who frequently visit India and want to earn rewards on local spends and enjoy dining/movie perks.

Choose SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: ICICI Bank NRI Coral Credit Card or SBI Card ELITE?
SBI Card ELITE edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank NRI Coral Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank NRI Coral Credit Card and SBI Card ELITE?
ICICI Bank NRI Coral Credit Card has an annual fee of ₹500, while SBI Card ELITE has an annual fee of ₹4,999. ICICI Bank NRI Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: ICICI Bank NRI Coral Credit Card or SBI Card ELITE?
ICICI Bank NRI Coral Credit Card offers a base reward rate of 0.125%. SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both ICICI Bank NRI Coral Credit Card and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank NRI Coral Credit Card and SBI Card ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank NRI Coral Credit Card or SBI Card ELITE?
For beginners, ICICI Bank NRI 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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