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BOBCARD Tiara Credit Card VS ICICI Bank Coral Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹500 + GST
Renewal Fee
₹2,499 + GST
₹500 + GST
Spend Based Waiver
Joining fee waived with ₹25,000 spend in 60 days. Annual fee waived with ₹2,50,000 spend.
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Foreign Transaction Fees
Reduced Forex mark-up of 2% on International Spends.
3.5% of the transaction amount.
Interest Rate (APR)
3.25% Per Month (39% Per Annum)
3.75% per month (45% p.a.) on outstanding balance and cash advances.

Rewards & Benefits

Welcome Bonus
Free Swiggy One, Fitpass Pro, Amazon Prime/Jio Hotstar memberships, plus a women's health package.
No specific welcome benefits are offered with the paid Coral variant.
Rewards Rate
Earn 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends.
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Not applicable (N/A)
₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
Unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025.
1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter.
International Lounge Access
No international airport lounge access is provided with this card.
Not Applicable
Travel Benefits
Accelerated 5X Reward Points on travel, 2% Forex markup, and unlimited domestic lounge access.
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
Movie Benefits
Flat ₹250 off on a minimum purchase of 2 movie/non-movie tickets with BookMyShow, quarterly.
25% discount, up to ₹100, on movie tickets via BookMyShow and INOX (twice a month, min 2 tickets).
Dining Benefits
Earn 15 RP/₹100 on dining, plus unlimited free deliveries with Swiggy One membership.
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No RPs on fuel transactions.
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.

Security & Other

Insurance Benefits
Zero Liability cover on lost card upon immediate reporting of the loss.
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Cash Advance Charges
Not applicable (N/A)
2.5% of transaction amount or ₹500 minimum (whichever is higher).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

ICICI Bank Coral Credit Card

Who is it for?

The BOBCARD Tiara Credit Card empowers women with tailored rewards and benefits. It offers accelerated 5X Reward Points on dining, travel, and international spends, a low Forex markup of 2%, and valuable complimentary memberships. Enjoy unlimited domestic lounge access and UPI linking for convenient payments. The card's fees can be easily waived by meeting spending milestones, making it an excellent option for a lifestyle-focused credit card.

Who is it for?

The ICICI Bank Coral Credit Card is a versatile card offering exclusive rewards on dining, entertainment, and travel. It provides complimentary domestic and railway lounge access, along with attractive discounts on movie tickets and dining bills. With robust insurance benefits for the RuPay variant, milestone rewards, and a manageable annual fee waiver, it's an excellent choice for everyday and on-the-go spends, ensuring a rewarding experience.

Pros

Key benefits and features.

The 2% Forex markup charge is lower than typical, making it competitive for international transactions.

The card offers accelerated reward points for international spends, enhancing its value.

Enjoy complimentary memberships to Swiggy One, FitPass Pro, Amazon Prime, and Gaana Plus annually.

A high reward rate of 3.75% on dining, travel, and international spends is very attractive.

Pros

Key benefits and features.

Enjoy complimentary railway lounge access every quarter without spend criteria.

RuPay variant offers seamless UPI linking for convenient everyday payments.

Access complimentary domestic airport lounges with a reasonable quarterly spend.

Significant discounts available on movie tickets and dining bills.

Benefit from milestone reward points, increasing overall card value.

Cons

Key drawbacks and limitations.

The BOBCARD Tiara does not offer international airport lounge access despite low Forex charges.

Domestic lounge access becomes conditional on spending ₹40,000 quarterly starting January 2025.

5X reward points on dining, travel, and international spends are capped at 5,000 points per cycle.

Cons

Key drawbacks and limitations.

No specific welcome benefits are provided with the paid Coral variant.

A rewards redemption fee of ₹99 + GST is charged for point redemptions.

High foreign currency markup of 3.5% applies to international transactions.

Monthly interest rate of 3.75% (45% p.a.) can be high if not paid fully.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.