Vyaya
Side-by-Side Comparison|Updated March 2026

Paytm SBI Card vs ICICI Bank NRI Coral Credit Card

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

SBI Card

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
View Full Details

ICICI Bank

ICICI Bank NRI Coral Credit Card

7/10
Annual Fee₹500
Base Rewards0.125%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePaytm SBI CardICICI Bank NRI Coral Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹1,000
Fee Waiver SpendN/A₹1,50,000
Base Reward Rate1%0.125%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkRuPayVisa
Editor Rating7.5/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

ICICI Bank NRI Coral Credit Card

No accelerated rewards listed

Pros & Cons

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

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.

Our Verdict

Paytm 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 Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

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.

Frequently Asked Questions

Which is better: Paytm SBI Card or ICICI Bank NRI Coral Credit Card?
Paytm 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 Paytm SBI Card and ICICI Bank NRI Coral Credit Card?
Paytm SBI Card has an annual fee of ₹499, while ICICI Bank NRI Coral Credit Card has an annual fee of ₹500. ICICI Bank NRI Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: Paytm SBI Card or ICICI Bank NRI Coral Credit Card?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. ICICI Bank NRI Coral Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and ICICI Bank NRI Coral Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card and ICICI Bank NRI Coral Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card or ICICI Bank NRI Coral Credit Card?
For beginners, Paytm 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.

Related Comparisons

Paytm SBI Card vs Paytm HDFC Bank Credit CardICICI Bank NRI Coral Credit Card vs Paytm HDFC Bank Credit CardPaytm SBI Card vs Axis Bank ACE Credit CardICICI Bank NRI Coral Credit Card vs Axis Bank ACE Credit CardPaytm SBI Card vs Axis Bank - Flipkart Axis Bank Credit CardICICI Bank NRI Coral Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardPaytm SBI Card vs SBI Card PRIMEICICI Bank NRI Coral Credit Card vs SBI Card PRIME

Explore More

Paytm SBI Card Full ReviewICICI Bank NRI Coral Credit Card Full ReviewAll SBI Card CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips