vs
In short: Yes Select has the lower annual fee (₹499 vs ₹500); both include 1 airport lounge visit a quarter; Yes Select has the lower forex markup (2.75% vs 3.5%).
| Key facts | ICICI Coral | Yes Select |
|---|---|---|
| Annual fee | ₹500 | ₹499 |
| Joining fee | ₹500 | ₹499 |
| Annual fee waived | On ₹1.5 lakh annual spend | On ₹1 lakh annual spend |
| Top reward rate | 2 Reward Points per ₹100 | 8 Reward Points on Every ₹200 For Online Shopping |
| Base rewards | 2 Reward Points per ₹100 | 2 Reward Points on Every ₹200 |
| Lounge access | 1 airport lounge visit a quarter | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 2.75% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The ICICI Bank Coral Credit Card Visa and the Yes Bank Select Credit Card both offer complimentary domestic airport lounge access and a 1% fuel surcharge waiver. While the Coral card has a straightforward reward rate with milestone bonuses, the Yes Bank card provides accelerated rewards for online and offline shopping along with golf-related benefits. Their forex markups and fee waiver criteria also differ, making each suitable for different spending patterns and preferences.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| 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 |
| Top reward rate | Earn 2 Reward Points per Rs.100 | 8 Reward Points on Every Rs.200 For Online Shopping |
| Base rate (other spends) | — | 2 Reward Points on Every Rs.200 |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | 1 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| 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 |
For rewards, the Yes Bank Select Credit Card offers higher accelerated points, especially for online shopping at 8 reward points per Rs.200 spent, compared to the Coral card's uniform 2 reward points per Rs.100. However, the Coral card provides milestone rewards of 2000 points on spending Rs.2 lakhs annually and rewards on insurance and utilities, which the Yes Bank card does not list. The Coral card also offers 2 reward points per Rs.100 on grocery and departmental stores, while Yes Bank Select focuses on retail categories with different rates for offline and online shopping. Overall, Yes Bank Select is better for shoppers focused on online and offline retail rewards, while Coral suits those valuing milestone bonuses and broader category rewards.
Both cards offer one complimentary domestic airport lounge access per quarter, with no international lounge access listed. The ICICI Coral card has a higher forex markup fee of 3.5%, whereas the Yes Bank Select card charges 2.75% on foreign currency transactions, making it more cost-effective for international travel spend. Additionally, the Coral card offers a 1% fuel surcharge waiver specifically at HPCL pumps with a minimum spend, while the Yes Bank card provides a 1% waiver across all petrol pumps. Both cards lack listed welcome travel benefits, so for travel-focused users, the Yes Bank card may offer better forex savings, while both provide similar lounge access.
The ICICI Coral card charges a joining and renewal fee of Rs.500 each, waived on spending Rs.150,000 annually. The Yes Bank Select card has slightly lower fees at Rs.499 for joining and renewal, with a lower waiver threshold of Rs.100,000 annual spend. This makes the Yes Bank card easier to maintain fee-free for moderate spenders. Considering the forex markup difference and fee waiver thresholds, Yes Bank Select is generally more cost-effective for users with moderate to high spend, while the Coral card suits those who can meet the higher waiver threshold and want milestone rewards.
The ICICI Coral card offers a flat 2 reward points per Rs.100 spent with milestone bonuses, while Yes Bank Select provides tiered rewards with 8 points per Rs.200 for online shopping and 4 points per Rs.200 for offline shopping. The Coral card's points redeem at Rs.0.25 per point, and Yes Bank allows redemption into airline miles, adding travel value.
Yes Bank Select includes golf perks such as 12 complimentary golf lessons and 4 rounds of green fees annually, plus discounts on golf services. ICICI Coral does not list golf benefits, making Yes Bank Select attractive for golf enthusiasts.
ICICI Coral requires Rs.150,000 annual spend for fee waiver, higher than Yes Bank Select's Rs.100,000. This makes the Yes Bank card easier to maintain fee-free, especially for moderate spenders.
Consider ICICI Bank Coral Credit Card Visa if you prefer a simple and steady rewards structure with milestone bonuses on high annual spend, and if you spend on insurance and utilities categories. It is also suitable if you want a Visa network card and can meet the higher fee waiver threshold of Rs.150,000 to avoid annual fees.
Consider Yes Bank Select Credit Card if you shop frequently online or offline and want higher accelerated rewards on these categories. It is also a good choice if you want lower forex markup fees, easier fee waiver criteria at Rs.100,000 annual spend, and additional golf-related perks. This card suits MasterCard users looking for enhanced retail rewards and cost-effective fee management.
Yes Bank Select Credit Card charges a 2.75% forex markup, which is lower than ICICI Bank Coral Credit Card Visa's 3.5% fee on foreign currency transactions.
Yes, both cards provide 1 complimentary domestic airport lounge access per quarter. Neither card lists international lounge access.
ICICI Coral waives the Rs.500 annual fee on spending Rs.150,000 annually, while Yes Bank Select waives the Rs.499 renewal fee on Rs.100,000 annual spend.
Yes Bank Select Credit Card offers 8 reward points per Rs.200 spent on online shopping, higher than ICICI Coral's flat 2 points per Rs.100 on all spends.
ICICI Coral Credit Card offers 2000 reward points on spending Rs.2 lakhs annually. Yes Bank Select does not list milestone benefits.
Both cards provide a 1% fuel surcharge waiver. ICICI Coral's waiver applies at HPCL pumps with a minimum spend, while Yes Bank Select offers a 1% waiver across all petrol pumps.