Head-to-head · 🇮🇳 India
ICICI Coral vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
SBI Card
SBI Cashback
Wins 3 of 10
Verdict
ICICI Coral wins 5-3. Entry-tier card, easy approval, decent base earning, low fee. SBI Cashback is still the right call if pure online cashback, 5% on any online merchant, no partner restrictions..
Side-by-side
| Criterion | ICICI Coral | SBI Cashback |
|---|---|---|
| Annual fee | ₹500 | · ₹999 |
| Joining fee | ₹500 | · ₹999 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | · N/A | No welcome bonus, value lives in the cashback rate |
| Fee waiver threshold | ₹150,000 / yr | · ₹200,000 / yr |
| Min income | ₹240,000 | · ₹360,000 |
| Min credit score | 700 | · 750 |
| Editorial rating | · 4.2/5 | 4.6/5 |
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)
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants), capped ₹4,000 per statement cycle (₹2,000 online + ₹2,000 offline sub-caps, effective 1 Apr 2026)
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›ICICI Coral vs SBI Cashback: which is better?
ICICI Coral wins on more dimensions (5 vs 3). 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, SBI Cashback for online shopping. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral doesn't list a welcome bonus. SBI Cashback: No welcome bonus, value lives in the cashback rate.