Paytm SBI Credit Card SELECT vs ICICI Bank Coral Credit Card

• Welcome Benefits of Paytm SBI Credit Card SELECT includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. You'll also get Rs. 750 as Cashback in Paytm Wallet. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
• Get 5% Cashback on Paytm Mall, Movies and Travel
• Avail 2% Cashback on all other purchases on Paytm App
• On any other spends done offline and online stores, get 1% Cashback
• Percentage cashback will be earned in the form of Reward Points on minimum transaction size of Rs. 100 each that are automatically redeemed as Paytm Gift Voucher balance
• Stay protected with an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 2,00,000
• Milestone Benefit: Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000. The cardholder can get eligible for Milestone Gift Voucher of Rs. 2,000 and Rs. 4,000 after achieving annual milestone retail spends of Rs. 4,00,000 and Rs. 6,00,000 for the eligible year, respectively
• All eligible Paytm SBI Cardholders will be able to choose any one of the following electronic Gift Voucher (EGV) Options worth Rs. 2,000 and Rs. 4,000 Milestone Gift: Hush Puppies/Bata and Pantaloons
• Avail complimentary Priority Pass worth US $99 for the first two years of cardholder membership. Priority Pass Lounge Charges: Airport Lounge visits within India through the Priority Pass Program will be charged with a usage fee of $27 per visit + applicable taxes. Moreover, after exhausting the complimentary visits, every Airport Lounge visits outside India through the Priority Pass Program will be charged a usage fee of $27 per visit + applicable taxes
• Avail 4 complimentary domestic lounge visits (Restricted to 1 per quarter)

• Earn up to 10,000 PAYBACK Points from ICICI Bank Rewards every anniversary year
• Annual Fee from second year onwards will be waived off if you spend more than Rs. 1,50,000 in the previous year
• One complimentary access per quarter to selected Airport Lounges in India by spending minimum of Rs 5,000 or above in a calendar quarter on the card to avail this facility in the next calendar quarter
• One complimentary Domestic Railway Lounge visit per quarter
• Avail 25% discount up to Rs.100 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox. The offer can be availed twice in a month
• Earn 2 PAYBACK Points on every Rs. 100 spent on your card (except fuel)
• Earn 1 PAYBACK Point on every Rs.100 spent on utilities and insurance categories
• Under the new ICICI Bank Milestone Rewards program, get 2000 PAYBACK Points on spending Rs. 2,00,000 on your card and 1000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 10,000 PAYBACK Points per year
• Exclusive dining offers through ICICI Bank Culinary Treats Programme            
• Whether you are, in India or abroad, enjoy the amazing offers from VISA. Wine, dine and unwind with fabulous offers from luxury hotels, restaurants, lifestyle stores, spas and more
• Mastercard Moments is the exclusive program specially crafted for Mastercard cardholders. This program hosts exceptional experiences designed to inspire and enrich the lives of our Mastercards cardholders, with program members able to enjoy additional benefits
• With ICICI Bank Coral Mastercard Credit Card avail exclusive access to premium airport lounges and railway lounges in India. One complimentary Airport Lounge visit and one complimentary Railway Lounge visit per quarter.  One complimentary Domestic Airport Lounge visit and one complimentary Railway Lounge visit per quarter and lounge access will be applicable only for primary cardholders
• ICICI Bank Coral Mastercard Credit Card also provides exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% fuel surcharge wavier- The offer is valid on a maximum spend of Rs. 4000 per transaction at all HPCL pumps

Pros

• Get 1% Fuel Surcharge waiver for transactions between Rs. 500 and Rs. 4000. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
• Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
• Surcharges for Railway Tickets(irctc.co.in ): 1% of the transaction amount plus all applicable taxes

Cons

• No complimentary Golf course access or classes

Pros

• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% on fuel surcharge every time you refuel
• Discover how your ICICI Bank Coral Credit Card can deliver savings of Rs 11,175 every year

Cons

• If you’re a frequent flyer the offer of 1 complimentary access per quarter to select airport lounges in India isn’t sufficient  
• Limitations on the cost of purchasing movie tickets
• No Golf/coaching sessions

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