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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT 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

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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ICICI Bank

ICICI Bank NRI Coral Credit Card

7/10
Annual Fee₹500
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Card SELECTICICI Bank NRI Coral Credit Card
Annual Fee₹2,999₹500
Joining Fee₹2,999₹1,000
Fee Waiver SpendN/A₹1,50,000
Base Reward Rate1%0.125%
Reward CurrencyEmpower PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.8/107/10
Forex Markup3.5%3.5%

Pros & Cons

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

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

SBI Card - Tata Card SELECT 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 SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

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: SBI Card - Tata Card SELECT or ICICI Bank NRI Coral Credit Card?
SBI Card - Tata Card SELECT 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 SBI Card - Tata Card SELECT and ICICI Bank NRI Coral Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, 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: SBI Card - Tata Card SELECT or ICICI Bank NRI Coral Credit Card?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. ICICI Bank NRI Coral Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Card SELECT and ICICI Bank NRI Coral Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and ICICI Bank NRI Coral Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Card SELECT or ICICI Bank NRI Coral Credit Card?
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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