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 (₹0 vs ₹500).

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 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.

Forex IDFC FIRST Bank Select

Quick comparison

Three core metrics

Coral Visa ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Coral Visa

2 pts / ₹100

Select

3 pts / ₹200 · Up to 10 pts / ₹200 on Dining

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: Limited data Select: Limited 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%.

ICICI Bank Coral Visa

Confidence: Low (limited information available)

Verify with issuer

IDFC FIRST Bank Select

Confidence: Low (limited information available)

Verify with issuer

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.

Swipe for all fields

Field	Coral Visa ICICI Bank	Select IDFC FIRST Bank
Lounge Access
Domestic lounge visits	4/year (1 per quarter)	4/year (1 per quarter)
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 1.99%	3.5%	1.99%
Fees
Annual fee ₹500 vs ₹0	₹500	₹0
Joining fee ₹500 vs ₹0	₹500	₹0
Fee waiver spend 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
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%
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.