ICICI Bank Coral Credit Card vs SimplyCLICK SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: SimplyCLICK SBI Card earns higher net annual returns at standard spend tiers.
- Annual Fee: ICICI Bank Coral Credit Card (₹500/yr) vs SimplyCLICK SBI Card (₹499/yr).
- Base Reward Rate: ICICI Bank Coral Credit Card (2 pts/₹100) vs SimplyCLICK SBI Card (1 pts/₹100).
- Lounge Access: ICICI Bank Coral Credit Card (4 dom) vs SimplyCLICK SBI Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2ICICI Bank · fee waived
Smart verdict
Get the SimplyCLICK SBI Card — it earns you +₹3,965/yr over the ICICI Bank Coral Credit Card, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for ICICI Bank Coral Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 2 Pts / ₹100 | 120 pts1,440 pts/yr | ₹30 | ₹360/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 2 Pts / ₹100 | 70 pts840 pts/yr | ₹18 | ₹210/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 2 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 2 Pts / ₹100 | 100 pts1,200 pts/yr | ₹25 | ₹300/yr | Active Earn |
Groceries | ₹7,000/mo | 2 Pts / ₹100 | 140 pts1,680 pts/yr | ₹35 | ₹420/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Insurance | ₹1,500/mo | 1 Pts / ₹100 | 15 pts180 pts/yr | ₹4 | ₹45/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | ICICI Bank Coral Credit CardICICI Bank | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹500 | ₹499 |
| Annual fee | ₹500/yr | ₹499/yr |
| Fee waiver | Spend ₹1,50,000/yr | Spend ₹1,00,000/yr |
| Base reward | 2 pts / ₹100 | 1 pts / ₹100 |
| Top reward categories | 1x utilities, 1x insurance, 2x groceries | 5x online |
| Redemption friction | Moderate | Moderate |
| Point expiry | 36 months | 24 months |
| Lounge access | 4 dom · 0 intl⚠ Domestic: 1 airport lounge visit/quarter on Rs.75,000 quarterly spend (preceding quarter). 4 railway lounge visits/year (1/quarter). No international lounge access. | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | ₹2.4L/yr | Not stated |
| Min income · self-employed | ₹2.4L/yr | Not stated |
| Eligibility (as stated) | Rs.20,000/month salaried or Rs.2,40,000/year self-employed | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
Verdict at a Glance
Choose ICICI Bank Coral Credit Card if your monthly spending is focused on utilities, insurance.
Choose SimplyCLICK SBI Card if you spend heavily on online.
ICICI Bank Coral Credit Card vs SimplyCLICK SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
SimplyCLICK SBI Card
At ₹25,000/month, SimplyCLICK SBI Card nets ₹5,275/yr vs ICICI Bank Coral Credit Card at ₹1,520/yr — a ₹3,755 edge.
SimplyCLICK SBI Card
At ₹50,000/month, SimplyCLICK SBI Card nets ₹6,460/yr vs ICICI Bank Coral Credit Card at ₹2,495/yr — a ₹3,965 edge.
SimplyCLICK SBI Card
At ₹1,00,000/month, SimplyCLICK SBI Card nets ₹8,860/yr vs ICICI Bank Coral Credit Card at ₹4,640/yr — a ₹4,220 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, ICICI Bank Coral Credit Card or SimplyCLICK SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), SimplyCLICK SBI Card comes out ahead by about ₹3,965 per year, driven mostly by other online shopping spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, ICICI Bank Coral Credit Card or SimplyCLICK SBI Card?▼
ICICI Bank Coral Credit Card earns 2 pts/₹100 as a base, while SimplyCLICK SBI Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for ICICI Bank Coral Credit Card and SimplyCLICK SBI Card?▼
ICICI Bank Coral Credit Card: ₹500 + GST per year, waived on ₹1,50,000 annual spend. SimplyCLICK SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do ICICI Bank Coral Credit Card and SimplyCLICK SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. ICICI Bank Coral Credit Card excludes fuel, rent; SimplyCLICK SBI Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is ICICI Bank Coral Credit Card ever the better pick over SimplyCLICK SBI Card?▼
Within a normal spend range at ₹50,000/month, SimplyCLICK SBI Card stays ahead. ICICI Bank Coral Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.