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ICICI Bank Coral Credit Card VS SimplySAVE SBI Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both ICICI Bank Coral Credit Card and SimplySAVE SBI Card suit movies-focused spenders, but they earn and cost differently. ICICI Bank Coral Credit Card costs ₹500 + GST and earns 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance. SimplySAVE SBI Card costs ₹499 + GST and earns 10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends. ICICI Bank Coral Credit Card also brings 1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter, while SimplySAVE SBI Card counters with receive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
SimplySAVE SBI Card
SimplySAVE SBI Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Spend Based WaiverThe renewal fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.
Interest Rate (APR)

Rewards & Benefits

Welcome Bonus
Welcome BonusReceive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Rewards Rate10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Travel Benefits
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Movie BenefitsEarn 10X Reward Points per Rs. 150 spent on movies.
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Dining BenefitsEarn 10X Reward Points per Rs. 150 spent on dining.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions Rs. 500-3,000, max Rs. 100 per statement cycle.

Security & Other

Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Insurance Benefits
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

SimplySAVE SBI Card

Who is it for?

The ICICI Bank Coral Credit Card is a popular entry-level offering providing exclusive rewards and offers across dining, entertainment, and travel. Cardholders can earn up to 2 Reward Points per ₹100 spent and benefit from complimentary domestic airport and railway lounge access quarterly. It's an excellent choice for individuals who frequently spend on movies and dining, offering significant savings and milestone benefits. The card also features a 1% fuel surcharge waiver and an annual fee waiver based on spending, making it a well-rounded option for everyday use.

Who is it for?

The SimplySAVE SBI Card is an entry-level credit card designed to make everyday spending more rewarding, offering accelerated reward points on common categories like dining, movies, departmental stores, and groceries. It provides significant value for individuals who frequently spend in these areas, coupled with a beneficial fuel surcharge waiver and a welcome bonus for new cardholders. The card's focus on high-frequency categories and its spend-based renewal fee reversal make it a strong contender for an entry-level or mid-range card, maximizing savings on daily expenses.

Pros

Key benefits and features.

Offers valuable complimentary railway lounge access without any spend criteria.

Provides significant savings on movie tickets with up to 25% discount twice monthly.

Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.

Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.

Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.

Pros

Key benefits and features.

Receive 2,000 Bonus Reward Points upon meeting initial spend criteria.

Earn 10X Reward Points on popular categories like dining, movies, and groceries.

Benefit from a 1% fuel surcharge waiver, capped at Rs. 100 per statement cycle.

Annual renewal fee can be waived by spending Rs. 1,00,000 or more in the previous year.

Enjoy the convenience of add-on cards for family members with no annual fee.

Cons

Key drawbacks and limitations.

Lounge access and movie benefits are subject to specific quarterly spend conditions.

The card does not offer any welcome benefits for new cardholders.

Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.

High foreign currency markup of 3.5% makes international spends less rewarding.

Movie cashback offers on the Amex variant have been revoked from Jan 2025.

Cons

Key drawbacks and limitations.

The reward rate for spends outside accelerated categories is a standard 1X, which is lower.

No specific travel or lounge access benefits are offered with the SimplySAVE SBI Card.

The maximum fuel surcharge waiver is limited to Rs. 100 per statement cycle.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for ICICI Bank Coral Credit Card(opens in new tab)Apply for SimplySAVE SBI Card(opens in new tab)