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 offer distinct benefits tailored to different spending habits. While ICICI focuses on rewarding utility and grocery spending, Yes Bank emphasizes online shopping rewards. Both cards have annual fees but offer ways to waive them based on 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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| 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.10000 For Joining Fee Waiver |
| Reward rate (headline) | Earn 1 Reward Points per Rs.100 on Insurance | 8 Reward Points on Every Rs.200 For Online Shopping |
| 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?
For rewards, the Yes Bank Select Credit Card stands out with its higher earning potential, offering 8 Reward Points per Rs.200 for online shopping and 4 Reward Points for offline purchases. In contrast, the ICICI Bank Coral Credit Card provides 1 to 2 Reward Points per Rs.100 depending on the category, which may not be as lucrative for frequent online shoppers. Thus, if maximizing rewards is your priority, Yes Bank may be the better option.
Which is better for travel?
Both cards offer domestic lounge access, but the ICICI Bank Coral Credit Card provides access to railway lounges while Yes Bank offers airport lounge access. Neither card includes international lounge access, making them relatively equal in this aspect. However, if you frequently use railway lounges, ICICI may hold an advantage.
Which has lower effective cost?
In terms of fees, the Yes Bank Select Credit Card has a slightly lower joining and renewal fee compared to the ICICI Bank Coral Credit Card. Moreover, Yes Bank allows for a fee waiver with a lower spending threshold of Rs.10,000, compared to ICICI's Rs.150,000. Therefore, Yes Bank may be more appealing for those concerned about annual costs.
Who should pick ICICI Bank Coral Credit Card Visa?
Consider ICICI Bank Coral Credit Card Visa if you prefer a card that rewards utility and grocery spending, and if you are likely to spend enough to waive the annual fee. It is also suitable for beginners who may appreciate the straightforward rewards structure and lower fee.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you frequently shop online and want to earn higher rewards on those purchases. Its lower fee waiver threshold also makes it a cost-effective choice for those who may not spend as much annually.
Frequently Asked Questions
The annual fee for the ICICI Bank Coral Credit Card is Rs.500.
You can waive the annual fee for the Yes Bank Select Credit Card by spending Rs.10,000.
The ICICI Bank Coral Credit Card charges a forex markup of 3.50%, while the Yes Bank Select Credit Card charges 2.75%.
No, neither the ICICI Bank Coral Credit Card nor the Yes Bank Select Credit Card offers international lounge access.