ICICI Coral vs SBI Card PRIME: Dining, Travel, and Lifestyle Benefits

For cardholders looking for lifestyle perks, dining rewards, and travel benefits, ICICI Coral and SBI Card PRIME credit cards are two popular options. This comparison helps you understand which card suits your spending habits better.

Feature Comparison

Feature ICICI Coral Credit Card SBI Card PRIME

Annual Fee

₹500 (waived on spends >₹50,000)

₹999 (first year free)

Dining Rewards

5% cashback on dining transactions

10% cashback on dining (up to ₹5,000 per month)

Travel Benefits

Complimentary airport lounge access once per quarter

2 complimentary domestic lounge visits per quarter

Fuel Surcharge Waiver

1% on fuel transactions between ₹400–₹3,000

1% on fuel transactions between ₹400–₹3,000

Reward Points

2 reward points per ₹150 spent

1 reward point per ₹100 spent

Online Shopping Benefits

2% cashback on online purchases

Up to 5% cashback on e-commerce platforms

EMI Conversion

Available on transactions above ₹3,000

Available on select transactions

Key Differences

  • ICICI Coral: Best suited for casual dining and moderate travel benefits, with low annual fee.
  • SBI Card PRIME: Offers higher dining cashback and better online shopping rewards but comes with a slightly higher fee.
  • Travel Perks: Coral offers limited lounge access, whereas SBI PRIME provides additional domestic lounge benefits.

Which Card Should You Choose?

  • Choose ICICI Coral if you want a low-maintenance card with decent dining and travel benefits.
  • Choose SBI Card PRIME if your focus is on dining rewards and higher online cashback for e-commerce.

Tips to Maximize Benefits

  1. Use SBI PRIME for dining and e-commerce to get the maximum cashback per month.
  2. Use ICICI Coral for casual spends and occasional travel for reward points accumulation.
  3. Always pay in full to avoid interest charges and protect reward value.

Track reward points and redeem them for vouchers, EMI options, or travel bookings.

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