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

Which is better for rewards?

The Yes Bank Select Credit Card provides higher reward points on online and offline shopping, with 8 points per Rs.200 online and 4 points per Rs.200 offline, making it more attractive for shoppers. ICICI Bank Coral offers a more diversified reward structure including utilities, groceries, and insurance, but at a lower earn rate (1-2 points per Rs.100). Additionally, Yes Bank Select allows redemption of points for airline miles, adding travel value. Overall, Yes Bank Select is better suited for maximizing rewards, especially for shopping.

Which is better for travel?

Both cards offer one complimentary domestic airport lounge access per quarter, with no international lounge benefits. The Yes Bank Select card has a lower forex markup fee of 2.75% compared to ICICI Coral's 3.5%, which benefits frequent foreign currency users. However, ICICI Coral provides milestone rewards on annual spends which can indirectly support travel spending. Yes Bank Select also includes golf benefits such as complimentary rounds and lessons, which may appeal to a niche traveler. For general travel perks, they are fairly comparable, but Yes Bank Select offers slight advantages in forex and golf.

Which has lower effective cost?

ICICI Bank Coral and Yes Bank Select have similar joining and renewal fees around Rs.500. ICICI Coral waives the annual fee on Rs.150,000 annual spend, whereas Yes Bank Select offers a joining fee waiver on just Rs.10,000 spend, making it easier to avoid initial fees. The forex markup is lower on Yes Bank Select, reducing foreign transaction costs. ICICI Coral charges Rs.199 for add-on cards, but this detail is not specified for Yes Bank Select. Overall, Yes Bank Select has a more beginner-friendly fee waiver and lower forex fees, making it more cost-effective for moderate spenders.

Golf Benefits

Yes Bank Select Credit Card offers unique golf-related perks including 4 complimentary rounds of green fees and 12 complimentary golf lessons per year, along with 50% discounts on green fees. ICICI Bank Coral does not provide any golf benefits, making Yes Bank Select more appealing to golf enthusiasts.

Forex Charges

Yes Bank Select has a lower forex markup fee of 2.75% compared to ICICI Bank Coral's 3.5%, which can lead to cost savings on foreign currency transactions for international travelers or online purchases in foreign currencies.

Fee Waiver Conditions

ICICI Bank Coral requires an annual spend of Rs.150,000 to waive the Rs.500 annual fee, whereas Yes Bank Select waives the joining fee on a much lower spend of Rs.10,000. This makes Yes Bank Select more accessible for users with lower spending thresholds.

Who should pick ICICI Bank Coral Credit Card Visa?

Consider ICICI Bank Coral Credit Card Visa if you prefer a straightforward fee waiver on higher annual spends and want a rewards program that covers utilities, groceries, and insurance categories. It suits users who value a simple domestic lounge access benefit and fuel surcharge waiver, and who might benefit from milestone rewards on Rs.2 lakh annual spends. This card is a practical choice for those seeking balanced rewards with moderate fees.

Who should pick Yes Bank Select Credit Card?

Consider Yes Bank Select Credit Card if you are a frequent online shopper looking to maximize reward points, or if you want lower foreign currency transaction fees. This card also appeals to golf enthusiasts with complimentary rounds and coaching, and offers an easier fee waiver threshold. If you value redeeming points for airline miles and want a card with strong retail rewards, Yes Bank Select is a suitable option.