Head-to-head · 🇮🇳 India
SBI SimplyClick vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 1 of 10
Verdict
SBI SimplyClick wins 7-1. First card for online buyers, low entry fee ICICI Coral is still the right call if entry-tier card, easy approval, decent base earning, low fee..
Side-by-side
| Criterion | SBI SimplyClick | ICICI Coral |
|---|---|---|
| Annual fee | ₹499 | · ₹500 |
| Joining fee | ₹499 | · ₹500 |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | Amazon e-gift voucher worth ₹500 | · N/A |
| Fee waiver threshold | ₹100,000 / yr | · ₹150,000 / yr |
| Min income | · ₹300,000 | ₹240,000 |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
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)
FAQ
›SBI SimplyClick vs ICICI Coral: which is better?
SBI SimplyClick wins on more dimensions (7 vs 1). 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 SBI SimplyClick for online shopping, ICICI Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. ICICI Coral doesn't list a welcome bonus.