Which card has a lower forex fee: ICICI Bank Coral Credit Card or IDFC FIRST Select Credit Card?

IDFC FIRST Select Credit Card has lower forex markup (1.99% vs 3.5%).

Which card has a lower annual fee: ICICI Bank Coral Credit Card or IDFC FIRST Select Credit Card?

IDFC FIRST Select Credit Card has a lower annual fee (No joining or annual fee currently listed vs ₹500 annual fee).

Which card offers better lounge access?

ICICI Bank Coral Credit Card: 1 per quarter domestic lounge. IDFC FIRST Select Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

ICICI Bank Coral Credit Card has higher conservative base reward value (~0.5% vs ~0.38%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral Visa vs IDFC FIRST Bank Select Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Coral Visa and the IDFC FIRST Bank Select. Verify fees, lounge access, forex markup, and base rewards before you apply.

Coral Visa

Select

The short answer

Verdict

Pick Select for spending abroad.

Head-to-head

Three core metrics

Annual fee

Coral Visa ₹500 Waivable at ₹1,50,000 spend

Select ₹0

Select saves ₹500/yr
Forex markup

Coral Visa 3.5%

Select 1.99%

Select saves ~₹1,510 per ₹1L abroad
Domestic lounge

Coral Visa 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Select 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Reward earning explained

Per card

Coral Visa

2 pts / ₹100

Strong data

Select

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral Visa: ₹500 vs IDFC FIRST Bank Select: ₹0), forex markup (3.5% vs 1.99%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Select has comparable evidence here. Forex markup is 1.99%.

Coral Visa: Strong data Select: Strong data
Forex markup IDFC FIRST Bank Select wins

IDFC FIRST Bank Select is better for forex

IDFC FIRST Bank Select is stronger here. Forex markup is 1.99%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
Rewards Tie

Both cards are similar for rewards

ICICI Bank Coral Visa conservative base value ~0.5% vs IDFC FIRST Bank Select's ~0.4%. IDFC FIRST Bank Select conservative base value ~0.4% vs ICICI Bank Coral Visa's ~0.5%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Coral: ~₹250/month at base rate
IDFC FIRST Select: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Coral Visa ICICI Bank	Select IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC FIRST Select	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC FIRST Select	Not specified	₹5 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Select	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC FIRST Select	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	4/year (1 per quarter)	4/year (1 per quarter)
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 1.99%	3.5%	1.99%
Fees
Recurring annual fee ₹500 vs ₹0	₹500	₹0
Annual-fee waiver Only available for Coral	₹1,50,000	Not specified
Interest-free period Up to 48 days vs Up to 45 days	Up to 48 days	Up to 45 days
Monthly interest rate 3.75% / month vs 0.71%–3.85% per month	3.75% / month	0.71%–3.85% per month
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded
Rewards
Base earn 2 pts / ₹100 vs 3 pts / ₹200	2 pts / ₹100	3 pts / ₹200
Conservative base value ~0.5% vs ~0.4%	~0.5%	~0.4%
Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities	Not stated	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Select	Not specified	₹0.25
Point validity Only available for IDFC FIRST Select	Not specified	2 years

Notes

ICICI Bank Coral Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
IDFC FIRST Select Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

ICICI Bank Coral Visa

Verify with issuer

IDFC FIRST Bank Select

Verify with issuer