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SBI Card ELITE vs ICICI Coral

Cap-aware comparison at ₹50,000/month total spend · Data verified March 2026

SBI
SBI Card ELITE
₹4,999/yr
₹830
cashback/month
Winner
ICICI
ICICI Coral
₹500/yr
₹240
cashback/month

Category-by-Category Breakdown

🍽️Dining
₹10,000/mo
SBI Card ELITE
₹2502.5%
ICICI Coral
₹500.5%
✈️Travel
₹5,000/mo
SBI Card ELITE
₹250.5%
ICICI Coral
₹250.5%
🛒Online Shopping
₹8,000/mo
SBI Card ELITE
₹400.5%
ICICI Coral
₹400.5%
🥦Groceries
₹8,000/mo
SBI Card ELITE
₹2002.5%
ICICI Coral
₹400.5%
⛽Fuel
₹4,000/mo
SBI Card ELITE
₹200.5%
ICICI Coral
₹200.5%
💡Utilities
₹4,000/mo
SBI Card ELITE
₹200.5%
ICICI Coral
₹100.25%
🎬Entertainment
₹5,000/mo
SBI Card ELITE
₹1252.5%
ICICI Coral
₹250.5%
🛍️Shopping
₹6,000/mo
SBI 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
Lounge Access14/year4/year (conditional)
Card TypePremiumEntry Premium
The Verdict

SBI Card ELITE earns ₹590 more per month on this spending pattern. SBI Card ELITE wins on dining, groceries, utilities, entertainment, shopping. ICICI Coral wins on no categories. They tie on 3 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, groceries, utilities

View SBI Card ELITE details →
Pick ICICI Coral if

→ You want a lower fee (₹500/year vs ₹4,999/year)

View ICICI Coral details →
Or use both

Use SBI Card ELITE for dining and groceries, and ICICI Coral for its strengths. Combined fee: ₹5,499/year.

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