ICICI Bank Coral Credit Card Visa vs Yes Bank Select Credit Card: Which is Better in 2026?

ICICI Bank Coral Credit Card Visa vs Yes Bank Select Credit Card

The ICICI Bank Coral Credit Card Visa and the Yes Bank Select Credit Card offer distinct benefits tailored to different spending habits and preferences. ICICI Coral focuses on steady reward points across various categories and railway lounge access, while Yes Bank Select emphasizes higher reward points on online shopping and airport lounge access. Both cards have similar joining and renewal fees with fee waiver conditions based on annual spending.

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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Best for rewards → Yes Bank Select Credit Card
Best for travel → Too close to call
Best for low fee → Too close to call
Best for beginners → ICICI Bank Coral Credit Card Visa
Feature ICICI Bank Coral Credit Card Visa Yes Bank Select Credit Card
BankICICI BankYes Bank
NetworkVisaMasterCard
Joining feeJoining Fee of Rs.500Joining Fee of Rs.499
Annual / renewal feeAnnual Fee of Rs.500Renewal Fee of Rs.499
Annual fee waiverSpend Rs.150000 For Waiver of Annual FeeSpend Rs.10000 For Joining Fee Waiver
Reward rate (headline)Earn 2 Reward Points per Rs.1008 Reward Points on Every Rs.200 For Online Shopping
Lounge — domesticOne Complimentary Access Per Quarter to Railway Lounges1 Complimentary Airport Lounge Access Per Quarter
Milestone benefitEarn 2000 Reward Points on Spend of Rs.2 Lakhs
Foreign currency markup3.50% - Foreign Currency Transactions2.75% - Foreign Currency Transactions

Which is better for rewards?

When it comes to rewards, the Yes Bank Select Credit Card offers a higher rate of reward points for online shopping, earning 8 points per Rs.200 spent, which can be appealing for frequent online shoppers. It also provides 4 points per Rs.200 on offline shopping and 2 points per Rs.200 on other spends, with options to redeem points as airmiles with partners like Intermiles and Vistara. In contrast, the ICICI Bank Coral Credit Card Visa offers 2 reward points per Rs.100 on groceries and departmental stores, and 1 point per Rs.100 on insurance and utilities, with a redemption rate of 1 point = Rs.0.25. The Coral card also has a milestone benefit of 2000 reward points on spending Rs.2 lakhs annually, which adds incremental value for high spenders.

Which is better for travel?

Both cards provide complimentary lounge access but differ in venue type. The ICICI Coral card offers one complimentary access per quarter to railway lounges, which is useful for train travelers. The Yes Bank Select card provides one complimentary airport lounge access per quarter, catering more to air travelers. Neither card offers international lounge access. Additionally, Yes Bank Select includes golf-related benefits such as complimentary golf lessons and discounted green fees, which may appeal to niche travelers. Forex markup fees are lower on the Yes Bank card at 2.75% compared to 3.5% on the ICICI Coral, making it slightly better for foreign currency transactions.

Which has lower effective cost?

Both cards have similar joining and renewal fees close to Rs.500, with ICICI Coral charging Rs.500 and Yes Bank Select charging Rs.499. Fee waivers differ slightly; ICICI Coral requires Rs.1.5 lakhs annual spend for waiver, while Yes Bank Select requires Rs.1 lakh. Given these thresholds, Yes Bank Select may be easier to get a fee waiver. Late payment fees and other charges are not detailed for Yes Bank Select, so checking issuer sites is recommended for full cost understanding.

Reward Redemption Flexibility

Yes Bank Select allows redemption of reward points as airmiles with partners like Intermiles and Vistara, which can be valuable for frequent flyers. ICICI Coral offers a fixed redemption rate of 1 reward point = Rs.0.25, which is simpler but less flexible for travel enthusiasts.

Fee Waiver Thresholds

ICICI Coral requires a higher annual spend of Rs.1.5 lakhs to waive the renewal fee compared to Rs.1 lakh for Yes Bank Select. This makes Yes Bank Select potentially more accessible for fee waiver for moderate spenders.

Travel Lounge Access Types

ICICI Coral provides complimentary access to railway lounges, beneficial for train travelers, whereas Yes Bank Select offers airport lounge access, catering more to air travelers. Neither card offers international lounge access.

Who should pick ICICI Bank Coral Credit Card Visa?

Consider ICICI Bank Coral Credit Card Visa if you prefer steady reward points across common spending categories like groceries and utilities, and if you value complimentary railway lounge access. This card suits those who spend moderately and want a simple fee waiver condition with a milestone reward benefit. It is also a good choice for beginners who want straightforward rewards without complex redemption schemes.

Who should pick Yes Bank Select Credit Card?

Consider Yes Bank Select Credit Card if you are an avid online shopper looking for higher reward points on digital spends and want airport lounge access. This card is also suitable if you are interested in golf-related perks or prefer a lower forex markup fee. The lower renewal fee waiver threshold makes it attractive for moderate spenders seeking premium lifestyle benefits.

Frequently Asked Questions

What are the joining and renewal fees for both cards?

ICICI Bank Coral Credit Card Visa charges Rs.500 for joining and renewal, while Yes Bank Select Credit Card charges Rs.499 for both.

How can I get the annual fee waived on these cards?

ICICI Coral waives the annual fee if you spend Rs.1.5 lakhs in the anniversary year. Yes Bank Select waives the renewal fee if you spend Rs.1 lakh annually.

Which card offers better rewards for online shopping?

Yes Bank Select Credit Card offers 8 reward points per Rs.200 spent on online shopping, which is higher than ICICI Coral's 2 points per Rs.100 on groceries and departmental stores.

Do these cards offer airport lounge access?

Yes Bank Select provides one complimentary airport lounge access per quarter. ICICI Coral offers complimentary access to railway lounges but not airport lounges.

What is the forex markup fee on these cards?

ICICI Coral charges a forex markup fee of 3.5%, whereas Yes Bank Select charges a lower fee of 2.75% on foreign currency transactions.

Are there any milestone benefits on these cards?

ICICI Coral offers 2000 reward points on spending Rs.2 lakhs annually. Yes Bank Select does not list any milestone benefits.