ICICI Coral vs IRCTC SBI Card Premier
Detailed comparison of these two popular credit cards
ICICI Coral
ICICI Bank
Mid-RangeVS
Winner
IRCTC SBI Card Premier
SBI Card
Mid-RangeAnnual Fee
₹500 vs ₹1K
Effective Rate
(cash value)
0.5% vs 0.8%
Lounge Access
1/quarter vs None
Detailed Comparison
| Feature | ICICI Coral | IRCTC SBI Card Premier |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹1K |
| Annual Fee | ₹500 | ₹1K |
| Fee Waiver | Spend ₹1.5L annually | Spend ₹2L annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.5% | 0.8% |
Lounge Access | ||
| Domestic Lounges | 1/quarter | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.6L | ₹4.0L |
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
IRCTC SBI Card Premier wins!
Score: 19vsScore: 23
