ICICI Bank Coral Credit Card vs SimplyCLICK SBI Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived at your spend
2ICICI Bank · fee waived at your spend
Smart verdict
Get the SimplyCLICK SBI Card — it earns you +₹5,690/yr over the ICICI Bank Coral Credit Card, mostly from your online shopping (general) spend.
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).
ICICI Bank Coral Credit Card vs SimplyCLICK SBI Card at different spend levels
- At ₹25,000/month, SimplyCLICK SBI Card nets ₹6,475/yr vs ICICI Bank Coral Credit Card at ₹1,820/yr — a ₹4,655 edge.
- At ₹50,000/month, SimplyCLICK SBI Card nets ₹8,665/yr vs ICICI Bank Coral Credit Card at ₹2,975/yr — a ₹5,690 edge.
- At ₹1,00,000/month, SimplyCLICK SBI Card nets ₹12,880/yr vs ICICI Bank Coral Credit Card at ₹5,360/yr — a ₹7,520 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | ICICI Bank Coral Credit CardICICI Bank | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| 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 categories | 1x utilities, 1x insurance, 2x groceries | 10x online, 5x online |
| Redemption | 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 |
| Stated income | Rs.20,000/month salaried or Rs.2,40,000/year self-employed | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
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 ₹5,690 per year, driven mostly by online shopping (general) 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.