2 pts / ₹100
Strong data Pairwise comparison
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ICICI Bank Coral Visa vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank Coral Visa and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Coral Visa for lounge access.
Pick Cashback for rewards.
Head-to-head
Three core metrics- Annual fee Coral Visa saves ₹499/yrCoral Visa ₹500 Waivable at ₹1,50,000 spendCashback ₹999 Waivable at ₹2,00,000 or more spend
- Forex markup Coral Visa 3.5%Cashback 3.5%
- Domestic lounge Coral Visa: +4 lounge visits/yrCoral Visa 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)Cashback No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on online spend
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank Coral Visa: ₹500 vs SBI Card Cashback: ₹999), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access ICICI Bank Coral Visa wins ICICI Bank Coral Visa is better for lounge access
ICICI Bank Coral Visa is stronger here. Domestic lounge access is 1 per quarter.
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Rewards SBI Card Cashback wins SBI Card Cashback is better for rewards
SBI Card Cashback is stronger here. SBI Card Cashback conservative base value ~1% vs ICICI Bank Coral Visa's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI Cashback: ~₹500/month at base rate
- Coral: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Coral Visa ICICI Bank | Cashback SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits Only available for Coral | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹999 | ₹500 | ₹999 |
| First-year cost Only available for SBI Cashback | Not specified | ₹999 |
| Annual-fee waiver ₹1,50,000 vs ₹2,00,000 or more | ₹1,50,000 | ₹2,00,000 or more |
| 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 Only available for SBI Cashback | Not specified | ₹400–₹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 · ₹100/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 pts / ₹100 vs 1% | 2 pts / ₹100 | 1% |
| Conservative base value ~0.5% vs ~1% | ~0.5% | ~1% |
| Earn ceiling Not stated vs ₹2,000 per statement cycle | Not stated | ₹2,000 per statement cycle |
| Point validity Only available for SBI Cashback | Not specified | 2 years |
Notes
- ICICI Bank Coral Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
ICICI Bank Coral Visa
Verify with issuer , opens external siteSBI Card Cashback
Verify with issuer , opens external site