Which card has a lower forex fee: ICICI Bank Coral RuPay Credit Card or PhonePe SBI SELECT BLACK Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: ICICI Bank Coral RuPay Credit Card or PhonePe SBI SELECT BLACK Credit Card?

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 vs ₹1,499).

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 4/year domestic lounge. PhonePe SBI SELECT BLACK Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

PhonePe SBI SELECT BLACK Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Add another card →

ICICI Bank Coral RuPay vs SBI Card PhonePe SBI SELECT BLACK Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Coral RuPay and the SBI Card PhonePe SBI SELECT BLACK. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Coral RuPay ICICI Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 4/year

PhonePe SBI SELECT BLACK SBI Card

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Coral RuPay

3 pts / ₹150 on General spend

Limited data

PhonePe SBI SELECT BLACK

1 pts / ₹100 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral RuPay: ₹500 vs SBI Card PhonePe SBI SELECT BLACK: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Coral RuPay: Limited data PhonePe SBI SELECT BLACK: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year.

Coral RuPay: Limited data PhonePe SBI SELECT BLACK: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only SBI Card PhonePe SBI SELECT BLACK has comparable evidence here. Estimated base reward value is ~1% on base spend.

Coral RuPay: Limited data PhonePe SBI SELECT BLACK: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only ICICI Bank Coral RuPay has comparable evidence here. Annual fee is ₹500.

Coral RuPay: Limited data PhonePe SBI SELECT BLACK: Limited data
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

PhonePe SBI SELECT BLACK: ~₹500/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Coral RuPay ICICI Bank	PhonePe SBI SELECT BLACK SBI Card
Lounge Access
Domestic lounge visits	4/year	4/year
International lounge visits Only available for PhonePe SBI SELECT BLACK	Not specified	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee	₹500	₹500
Fee waiver spend Only available for PhonePe SBI SELECT BLACK	Not specified	₹3,00,000
Rewards
Reward points (base spend) 3 pts/₹150 vs 1 pts/₹100	3 pts/₹150	1 pts/₹100
Point cash value ₹0.25 vs ₹1	₹0.25	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.