ICICI Bank Coral Credit Card Visa vs Yes Bank Select Credit Card: Which is Better in 2026?
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The ICICI Bank Coral Credit Card Visa and Yes Bank Select Credit Card both offer moderate annual fees with fee waiver options based on spending. ICICI Coral provides reward points with a focus on grocery, departmental stores, and utilities, while Yes Bank Select emphasizes online and offline shopping rewards and unique golf benefits. Both cards offer quarterly complimentary lounge access domestically but no international lounge access.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | ICICI Bank Coral Credit Card Visa | Yes Bank Select Credit Card |
|---|---|---|
| Bank | ICICI Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.499 |
| Annual / renewal fee | Annual Fee of Rs.500 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.150000 For Waiver of Annual Fee | Spend Rs.100000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 Reward Points per Rs.100 | 2 Reward Points on Every Rs.200 |
| Lounge — domestic | One Complimentary Access Per Quarter to Railway Lounges | 1 Complimentary Airport Lounge Access Per Quarter |
| Milestone benefit | Earn 2000 Reward Points on Spend of Rs.2 Lakhs | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the ICICI Bank Coral Credit Card Visa offers 2 reward points per Rs.100 spent, with additional points on groceries and departmental stores, plus milestone rewards on annual spend. Yes Bank Select Credit Card awards 2 points per Rs.200 on general spends, but offers higher points for online (8 points) and offline shopping (4 points) with a capping on online shopping points. The Coral card’s reward rate is slightly better on general spends, but Yes Bank’s enhanced points on shopping categories may appeal more to frequent shoppers. Both cards provide different redemption options, with Yes Bank offering airmile conversions.
Which is better for travel?
Both cards provide one complimentary domestic lounge access per quarter, but neither offers international lounge benefits. The Yes Bank Select card adds value with golf-related perks including complimentary golf lessons and rounds, which may appeal to golf enthusiasts. ICICI Coral does not offer such lifestyle or travel-related extras. Neither card has explicit travel insurance or concierge services mentioned, so travel benefits are largely limited to lounge access and golf privileges on the Yes Bank card.
Which has lower effective cost?
The Yes Bank Select Credit Card has a slightly lower joining and renewal fee of Rs.499 compared to Rs.500 for the ICICI Coral. Yes Bank’s fee waiver threshold is Rs.100,000 annual spend, which is more accessible than ICICI Coral’s Rs.150,000 requirement. The foreign currency markup fee is also lower on Yes Bank Select at 2.75% versus 3.5% on the Coral card, making it more cost-effective for forex transactions. Overall, Yes Bank Select offers a lower effective cost for users who meet the waiver criteria and transact internationally.
Golf Benefits
Yes Bank Select Credit Card offers unique golf-related perks including 12 complimentary golf lessons and 4 complimentary rounds of green fees annually, plus a 50% discount on green fees. ICICI Coral does not provide any golf benefits, making Yes Bank Select more attractive for golf lovers.
Foreign Exchange Markup
Yes Bank Select has a lower forex markup fee at 2.75% compared to 3.5% on ICICI Coral. This makes Yes Bank Select more cost-effective for cardholders who frequently make foreign currency transactions.
Who should pick ICICI Bank Coral Credit Card Visa?
Consider ICICI Bank Coral Credit Card Visa if you prefer straightforward reward points with a focus on groceries, departmental stores, and utilities, and if you value milestone rewards on annual spending. It is suitable for users looking for a simple reward structure and occasional domestic lounge access.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you want a card with lower fees, easier fee waiver, and better forex markup rates. It is also a good choice for shoppers who spend significantly online and offline and for golf enthusiasts who can benefit from complimentary golf lessons and rounds.
Frequently Asked Questions
ICICI Coral has an annual fee of Rs.500 waived on spending Rs.150,000 annually. Yes Bank Select charges Rs.499 annual fee waived on Rs.100,000 annual spend.
ICICI Coral offers 2 reward points per Rs.100 spent, while Yes Bank Select offers 2 points per Rs.200 spent, making ICICI Coral better for general spends.
Yes, both cards offer one complimentary domestic lounge access per quarter but no international lounge access.
Yes Bank Select provides golf benefits including complimentary lessons and rounds, which ICICI Coral does not offer.
Yes Bank Select has a lower forex markup fee of 2.75% compared to 3.5% on ICICI Coral.