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Side-by-Side Comparison|Updated March 2026

ICICI Bank NRI Coral Credit Card vs SBI Card - SimplyCLICK SBI Card

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 - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank NRI Coral Credit CardSBI Card - SimplyCLICK SBI Card
Annual Fee₹500₹499
Joining Fee₹1,000₹499
Fee Waiver Spend₹1,50,000₹1,00,000
Base Reward Rate0.125%0.0625%
Reward CurrencyICICI Bank Reward PointsReward Points
NetworkVisaVisa
Editor Rating7/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank NRI Coral Credit Card

No accelerated rewards listed

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

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 - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

Our Verdict

SBI Card - SimplyCLICK SBI Card 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 - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

Frequently Asked Questions

Which is better: ICICI Bank NRI Coral Credit Card or SBI Card - SimplyCLICK SBI Card?
SBI Card - SimplyCLICK SBI Card 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 - SimplyCLICK SBI Card?
ICICI Bank NRI Coral Credit Card has an annual fee of ₹500, while SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499. ICICI Bank NRI Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: ICICI Bank NRI Coral Credit Card or SBI Card - SimplyCLICK SBI Card?
ICICI Bank NRI Coral Credit Card offers a base reward rate of 0.125%. SBI Card - SimplyCLICK SBI Card offers 0.0625% base rewards with bonuses on Partner Brands and All Other Online Spends. The better choice depends on your primary spending categories.
Can I have both ICICI Bank NRI Coral Credit Card and SBI Card - SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank NRI Coral Credit Card and SBI Card - SimplyCLICK SBI Card 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 - SimplyCLICK SBI Card?
For beginners, SBI Card - SimplyCLICK SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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