2 pts / ₹100
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ICICI Coral RuPay vs SBI MILES
Side-by-side comparison of the ICICI Bank Coral RuPay and the SBI Card MILES. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Coral RuPay for lounge access, a lower fee and UPI payments.
Pick MILES for spending abroad.
Coral RuPay costs ₹999 less a year.
Head-to-head
- Annual fee Annual fee outcome: Coral RuPay wins. Coral RuPay saves ₹999/yrCoral RuPay ₹500 Waivable at ₹1,50,000 spendMILES ₹1,499 Waivable at ₹6,00,000 spend
- Forex markup Forex markup outcome: MILES wins. MILES saves ~₹500 per ₹1L abroadCoral RuPay 3.5%MILES 3%
- Domestic lounge Domestic lounge outcome: Coral RuPay wins. Coral RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)MILES 1/year Conditional · Domestic: 1/year · requires ₹1,00,000 spend in the previous year
- Rewards Rewards outcome: tie. conservative base valueCoral RuPay ~0.5%MILES ~0.1%
- UPI payments UPI payments outcome: Coral RuPay wins. Coral RuPay Supports UPIMILES No UPI support
Reward earning explained
1 Travel Credits / ₹200 · Up to 2 Travel Credits / ₹200 on Travel
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Coral RuPay: ~₹250/month at base rate
- SBI MILES: ~₹60/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Coral RuPay ICICI Bank | MILES SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 1/year | 4/year (1 per quarter) | 1/year |
| Railway lounge visits Only available for Coral RuPay | 4 railway lounge visits per year (max 1/quarter) | Not specified |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup Same forex; compare fee and lounge rows. 3.5% vs 3% | 3.5% | 3% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,499 | ₹500 | ₹1,499 |
| Annual-fee waiver ₹1,50,000 vs ₹6,00,000 | ₹1,50,000 | ₹6,00,000 |
| Interest-free period Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 pts / ₹100 vs 1 Travel Credits / ₹200 | 2 pts / ₹100 | 1 Travel Credits / ₹200 |
| Conservative base value ~0.5% vs ~0.1% | ~0.5% | ~0.1% |
| Earn ceiling Eligible spend capped at ₹20,000 per statement cycle vs Calendar-month cap: 5,000 Travel Credits shared across General spend & Travel | Eligible spend capped at ₹20,000 per statement cycle | Calendar-month cap: 5,000 Travel Credits shared across General spend & Travel |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹1 | ₹0.25 | ₹1 |
| Point validity 3 years vs 2 years | 3 years | 2 years |
| Insurance — Lost card liability cover Only available for SBI MILES | Not specified | ₹1 lakh |
| Insurance — Underwriter Only available for SBI MILES | Not specified | Insured by ICICI Lombard General Insurance Company Limited |
Notes
- ICICI Bank Coral RuPay Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- SBI Card MILES: Condition: ₹1,00,000 spend in the previous year
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
ICICI Bank Coral RuPay
Verify with issuer , opens external siteSBI Card MILES
Verify with issuer , opens external site