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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.
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Last updated: 18 July 2026

BOBCARD Tiara Credit Card costs ₹2,499 + GST and earns a flat 15 RP/₹100 (3.75%) on dining, travel and international spends, with unlimited domestic lounge access on ₹40k quarterly spend, plus bundled Swiggy One and Fitpass Pro memberships. ICICI Bank Coral Credit Card is much cheaper at ₹500 + GST but earns just 2 RP/₹100 on retail, with lounge access capped at 1 visit per quarter on ₹75k spend. If dining and travel are major spend categories and you can hit the thresholds, Tiara's accelerated rewards justify the higher fee; for a low-cost everyday card with modest lounge access, Coral is the simpler pick.

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
Joining Fee₹500 + GST
Renewal Fee₹2,499 + GST
Renewal Fee₹500 + GST
Spend Based WaiverJoining fee waived on ₹25,000 spend in 60 days. Annual fee waived on ₹2.5 Lakh spend in a year.
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Foreign Transaction Fees2%
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Welcome Bonus
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
International Lounge AccessThis card offers no international airport lounge access.
International Lounge Access
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations for transactions between ₹400 and ₹4,000.

Security & Other

Insurance BenefitsZero Liability on Lost Card.
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Cash Advance Charges
Cash Advance Charges2.5% or a minimum of ₹500, 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 is a premium offering exclusively designed for women, empowering their journeys with tailored benefits. It provides accelerated 5X Reward Points on dining, travel, and international spends, coupled with a competitive low 2% Forex markup. Cardholders enjoy complimentary memberships to Swiggy One, Amazon Prime/Disney Hotstar, and Gaana Plus, alongside unique women's health benefits. This card is ideal for modern women seeking a comprehensive financial tool that blends high rewards, lifestyle perks, and travel advantages.

Who is it for?

The ICICI Bank Coral Credit Card is a popular entry-level offering providing exclusive rewards and offers across dining, entertainment, and travel. Cardholders can earn up to 2 Reward Points per ₹100 spent and benefit from complimentary domestic airport and railway lounge access quarterly. It's an excellent choice for individuals who frequently spend on movies and dining, offering significant savings and milestone benefits. The card also features a 1% fuel surcharge waiver and an annual fee waiver based on spending, making it a well-rounded option for everyday use.

Pros

Key benefits and features.

Highly competitive 2% Forex markup charge, lower than most credit cards in the market.

Accelerated reward points on international spends benefit frequent international travelers.

Offers a high effective reward rate of 3.75% on dining and travel spends.

Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.

Pros

Key benefits and features.

Offers valuable complimentary railway lounge access without any spend criteria.

Provides significant savings on movie tickets with up to 25% discount twice monthly.

Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.

Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.

Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.

Cons

Key drawbacks and limitations.

Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.

Domestic airport lounge access is conditional on meeting a minimum spending requirement.

Reward points on accelerated categories and UPI transactions are capped per statement cycle.

Cons

Key drawbacks and limitations.

Lounge access and movie benefits are subject to specific quarterly spend conditions.

The card does not offer any welcome benefits for new cardholders.

Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.

High foreign currency markup of 3.5% makes international spends less rewarding.

Movie cashback offers on the Amex variant have been revoked from Jan 2025.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

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