ICICI Bank Coral RuPay Credit Card vs SimplySAVE SBI Card
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | ICICI Bank Coral RuPay Credit Card | SimplySAVE SBI Card |
|---|---|---|
| Issuer | ICICI Bank | SBI Card |
| Joining fee | ₹500 | ₹499 |
| Annual fee | ₹500 | ₹499 |
| Fee waiver | The ₹500 annual fee from the second year is refunded if you spend ₹1,50,000 or more in that card year. EMI, rent, government and education payments don't count towards it. | Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more |
| Everyday spends (value back) | – | 0.17% |
| Online shopping (value back) | – | 0.17% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | – | 1.67% |
| Travel (value back) | – | 0.17% |
| Bills and utilities (value back) | – | 0.17% |
| Dining and food delivery (value back) | – | 1.67% |
| Rewards in short | 2 reward points per ₹100 on most spends, including UPI payments, and 1 point per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Milestone bonus of up to 10,000 points a year, plus BookMyShow and INOX movie discounts. | Everyday spends card: 10X points on dining, movies, grocery and departmental stores (about 1.67% back), 1 point per ₹150 elsewhere. |
| Works on UPI | Yes (RuPay) | No |
| Airport lounge | 4 domestic airport visits a year (1 a quarter) for the primary cardholder, each unlocked by spending ₹75,000 in the previous quarter. ICICI's terms count that quarter from the 26th to the 25th (26 June to 25 September unlocks October to December), though its FAQ says calendar quarter. Also 4 railway lounge visits a year (1 a quarter) for the primary cardholder, with no spend condition. | Not published by the bank |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel payments of ₹400 to ₹4,000 at HPCL pumps, when paid on an ICICI Bank card machine | 1% waiver on fuel transactions of ₹500 to ₹3,000; max ₹100 per statement cycle |
| Card network | RuPay | Visa, Mastercard |
| Minimum income (salaried) | ₹20,000 a month | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the ICICI Bank Coral RuPay Credit Card if
you want a RuPay card for UPI and a quarterly lounge visit
₹500 joining, ₹500 a year
Pick the SimplySAVE SBI Card if
you spend mostly on dining, movies and groceries and want a known rate
₹499 joining, ₹499 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better, ICICI Coral or SBI SimplySAVE?
It depends on how you pay. For UPI, Coral: it's a RuPay card and earns 2 points per ₹100 on UPI payments, while SimplySAVE is on Visa or Mastercard and can't be linked to UPI. For card spends on dining, movies, groceries and department stores, SimplySAVE's 10X points are worth about 1.67%; Coral's points have no published rupee value, and its grocery and department store points stop after ₹20,000 of spend a statement cycle.
Does ICICI Coral RuPay have lounge access?
Yes: 1 domestic airport visit a quarter for the primary cardholder, unlocked by ₹75,000 of spend in the previous quarter, plus 1 railway lounge visit a quarter with no spend condition. SBI doesn't list lounge access for SimplySAVE.
Which is better for movies?
SimplySAVE earns 10X points on movie spends, about 1.67% back. Coral gives BookMyShow and INOX discounts instead; since 1 April 2026 its BookMyShow discount (25% off, up to ₹100, twice a month) needs ₹25,000 of spend in the previous quarter.
What income do I need?
ICICI Bank asks for ₹20,000 a month if salaried or ₹2.4 lakh a year if self-employed, for Indian citizens aged 21 to 65. SBI doesn't publish an income or age requirement for SimplySAVE.
Full details: ICICI Bank Coral RuPay Credit Card · SimplySAVE SBI Card · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.