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

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

Which card offers better lounge access?

ICICI Bank Coral Credit Card: 1 per quarter domestic lounge. PhonePe SBI SELECT BLACK Credit Card: 1 per quarter 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 Compare 3+ cards →

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

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

Rewards SBI Card PhonePe SBI SELECT BLACK upi SBI Card PhonePe SBI SELECT BLACK

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

PhonePe SBI SELECT BLACK SBI Card

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

Reward earning explained

Per card

Coral Visa

2 pts / ₹100

PhonePe SBI SELECT BLACK

1 pt / ₹100

Limited data

Pick based on what matters

4 dimensions

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

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
Rewards SBI Card PhonePe SBI SELECT BLACK wins

SBI Card PhonePe SBI SELECT BLACK is better for rewards

SBI Card PhonePe SBI SELECT BLACK is stronger here. SBI Card PhonePe SBI SELECT BLACK conservative base value ~1% vs ICICI Bank Coral Visa's ~0.5%.
upi SBI Card PhonePe SBI SELECT BLACK wins

SBI Card PhonePe SBI SELECT BLACK is better for UPI usage

SBI Card PhonePe SBI SELECT BLACK is stronger here. Supports UPI via RuPay network.

ICICI Bank Coral Visa

Confidence: Low (limited information available)

Verify with issuer

SBI Card PhonePe SBI SELECT BLACK

Confidence: Low (limited information available)

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: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Coral Visa ICICI Bank	PhonePe SBI SELECT BLACK SBI Card
Lounge Access
Domestic lounge visits	4/year (1 per quarter)	4/year (1 per quarter)
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 vs ₹499	₹500	₹499
Fee waiver spend ₹1,50,000 vs ₹3,00,000	₹1,50,000	₹3,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 2 pts / ₹100 vs 1 pt / ₹100	2 pts / ₹100	1 pt / ₹100
Conservative base value ~0.5% vs ~1%	~0.5%	~1%

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.