2 pts / ₹100
Strong data Pairwise comparison
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ICICI Coral Visa vs IDFC FIRST Select
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.
The short answer
Pick Select for spending abroad.
Select costs ₹500 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹500/yr apart · waiver gates differCoral Visa ₹500 Waivable at ₹1,50,000 spendSelect ₹0
- Forex markup Forex markup outcome: Select wins. Select saves ~₹3,500 per ₹1L abroadCoral Visa 3.5%Select 0%
- Domestic lounge Domestic lounge outcome: tie. 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)
- Rewards Rewards outcome: tie. conservative base valueCoral Visa ~0.5%Select ~0.4%
Reward earning explained
3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel
Strong dataExample 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.
All fields
| Field | Coral Visa ICICI Bank | Select IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| Railway lounge visits Only available for IDFC FIRST Select | Not specified | 16 railway lounge visits per year (max 4/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 0% | 3.5% | 0% |
| 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 |
| Late-payment charge Only available for Coral | ₹100–₹1,300 depending on outstanding balance | Not specified |
| 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 3 years vs 2 years | 3 years | 2 years |
| 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 |
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 , opens external siteIDFC FIRST Bank Select
Verify with issuer , opens external site