Head-to-head · 🇮🇳 India
ICICI Coral vs IRCTC SBI Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 6 of 10
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 2 of 10
Verdict
ICICI Coral wins 6-2. Entry-tier card, easy approval, decent base earning, low fee. IRCTC SBI Premier is still the right call if frequent rail travelers, 10% irctc train ticket value back..
Side-by-side
| Criterion | ICICI Coral | IRCTC SBI Premier |
|---|---|---|
| Annual fee | ₹500 | · ₹1,499 |
| Joining fee | ₹500 | · ₹1,499 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | · N/A | 1,500 IRCTC reward points |
| Fee waiver threshold | ₹150,000 / yr | · ₹200,000 / yr |
| Min income | ₹240,000 | · ₹360,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
ICICI Coral
- 2 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 3.5% forex markup (offered on both Visa and RuPay networks)
FAQ
›ICICI Coral vs IRCTC SBI Premier: which is better?
ICICI Coral wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use ICICI Coral for its best categories, IRCTC SBI Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral doesn't list a welcome bonus. IRCTC SBI Premier: 1,500 IRCTC reward points.