2 pts / ₹100
Strong data Pairwise comparison
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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.
The short answer
VerdictPick PhonePe SBI SELECT BLACK for rewards and upi.
Head-to-head
Three core metrics- Annual fee Coral Visa saves ₹999/yrCoral Visa ₹500 Waivable at ₹1,50,000 spendPhonePe SBI SELECT BLACK ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup Coral Visa 3.5%PhonePe SBI SELECT BLACK 3.5%
- 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)PhonePe SBI SELECT BLACK 4/year (1 per quarter)
Reward earning explained
Per card1 pt / ₹100
Strong dataPick based on what matters
4 dimensionsStart 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)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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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%.
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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.
All fields
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.
| Field | Coral Visa ICICI Bank | PhonePe SBI SELECT BLACK SBI Card |
|---|---|---|
| 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 Not included vs 4 per year | No international lounge access | 4 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,499 | ₹500 | ₹1,499 |
| Annual-fee waiver ₹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 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹500–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹500–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| 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% |
| Earn ceiling Not stated vs 1,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend | Not stated | 1,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend |
| Point validity Only available for PhonePe SBI SELECT BLACK | Not specified | 2 years |
Notes
- ICICI Bank Coral Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- 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 siteSBI Card PhonePe SBI SELECT BLACK
Verify with issuer , opens external site