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ICICI Bank Coral Credit Card VS Axis Bank SELECT 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

ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card
Axis Bank SELECT Credit Card
Axis Bank SELECT Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹3,000 + GST
Renewal Fee
₹500 + GST
₹3,000 + GST
Spend Based Waiver
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Annual fee waiver on spending ₹8 lakhs in a card anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.50% of the transaction value.
Interest Rate (APR)
3.75% per month (45% p.a.) on outstanding balance and cash advances.
3.75% per month (55.55% per annum) on retail purchases & cash.

Rewards & Benefits

Welcome Bonus
No specific welcome benefits are offered with the paid Coral variant.
Get 10,000 EDGE REWARD Points worth ₹2,000 on your first card transaction within 30 days of card issuance.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Earn 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per redemption.
₹99 per reward redemption.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter.
2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year).
International Lounge Access
Not Applicable
Up to 12 complimentary international airport lounge accesses annually via Priority Pass Membership.
Travel Benefits
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
Complimentary domestic & international lounge access. Travel insurance up to USD 500 for baggage & documents.
Movie Benefits
25% discount, up to ₹100, on movie tickets via BookMyShow and INOX (twice a month, min 2 tickets).
Get 100% discount on 2nd movie ticket via District app, up to ₹250, twice monthly. Code: AXISSELECT.
Dining Benefits
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Up to 25% discount, up to ₹800, at partner restaurants via Axis Bank Dining Delights Program.
Golf Benefits
Not Applicable
6 complimentary golf rounds per year; additional 6 rounds on ₹3 Lakhs annual spend milestone.
Fuel Surcharge Waiver
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.
1% fuel surcharge waiver (transactions ₹400-₹4000), capped at ₹400 per statement cycle.

Security & Other

Insurance Benefits
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Purchase protection up to ₹1 Lakh. Travel insurance (USD 500) for lost documents/baggage.
Cash Advance Charges
2.5% of transaction amount or ₹500 minimum (whichever is higher).
2.5% of cash amount (Minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

Axis Bank SELECT 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.

Who is it for?

The Axis Bank Select Credit Card is a versatile lifestyle card, offering extensive benefits across shopping, travel, and dining. It provides accelerated EDGE Reward Points, discounts on platforms like Swiggy and BigBasket, and complimentary domestic & international lounge access. With valuable golf privileges, comprehensive insurance, and milestone rewards including an annual fee waiver, it's ideal for those seeking a premium and rewarding credit card experience.

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.

Pros

Key benefits and features.

Enjoy ₹200 off twice monthly on Swiggy and significant discounts on BigBasket shopping.

Access 12 complimentary international airport lounges annually through Priority Pass membership.

Benefit from comprehensive insurance cover, including purchase protection and travel insurance.

Achieve annual fee waiver and bonus reward points with substantial milestone spending.

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.

Cons

Key drawbacks and limitations.

No reward points are earned on fuel transactions made with the Axis Bank Select Credit Card.

The initial joining fee of ₹3,000 + GST is not fully offset by the ₹2,000 welcome benefit.

Reward points are not earned on key categories such as rent, insurance, and utility payments.

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.