SBI Card ELITE vs ICICI Coral
Cap-aware comparison at ₹50,000/month total spend · Data verified March 2026
SBI Card ELITE
₹4,999/yr
₹935
cashback/month
Winner
ICICI Coral
₹500/yr
₹240
cashback/month
Category-by-Category Breakdown
🍽️Dining
₹10,000/moSBI Card ELITE
₹2502.5%
ICICI Coral
₹500.5%
✈️Travel
₹5,000/moSBI Card ELITE
₹501%
ICICI Coral
₹250.5%
🛒Online Shopping
₹8,000/moSBI Card ELITE
₹801%
ICICI Coral
₹400.5%
🥦Groceries
₹8,000/moSBI Card ELITE
₹2002.5%
ICICI Coral
₹400.5%
⛽Fuel
₹4,000/moSBI Card ELITE
₹401%
ICICI Coral
₹200.5%
💡Utilities
₹4,000/moSBI Card ELITE
₹401%
ICICI Coral
₹100.25%
🎬Entertainment
₹5,000/moSBI Card ELITE
₹1252.5%
ICICI Coral
₹250.5%
🛍️Shopping
₹6,000/moSBI Card ELITE
₹1502.5%
ICICI Coral
₹300.5%
Quick Specs
Annual Fee₹4,999₹500
Fee Waiver₹10L annual spend₹1.5L annual spend
NetworkVisa/MC/AmexVisa/MC/RuPay/Amex
Lounge Access14/year8/year
Card TypePremiumEntry Premium
The Verdict
SBI Card ELITE earns ₹695 more per month on this spending pattern. SBI Card ELITE wins on dining, travel, online shopping, groceries, fuel, utilities, entertainment, shopping. ICICI Coral wins on no categories. The best strategy? Use SBI Card ELITE as your primary card and ICICI Coral for its winning categories.
Pick SBI Card ELITE if
→ You spend heavily on dining, travel, online shopping
View SBI Card ELITE details →Or use both
Use SBI Card ELITE for dining and travel, and ICICI Coral for its strengths. Combined fee: ₹5,499/year.
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