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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.
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Last updated: 17 July 2026

Both ICICI Bank Coral Credit Card and Axis Bank SELECT Credit Card suit dining-focused spenders, but they earn and cost differently. ICICI Bank Coral Credit Card costs ₹500 + GST and earns 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop. Axis Bank SELECT Credit Card costs ₹3,000 + GST and earns 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly. ICICI Bank Coral Credit Card also brings 1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter, while Axis Bank SELECT Credit Card counters with 2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year). If movies spending matters more, go with ICICI Bank Coral Credit Card; if shopping is the priority, Axis Bank SELECT Credit Card fits better.

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
Joining Fee₹3,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹3,000 + GST
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Spend Based WaiverAnnual fee waived on spends of ₹8 lakh or more in a card anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.
Interest Rate (APR)3.75% per month (55.55% annually) for retail purchases and cash.

Rewards & Benefits

Welcome Bonus
Welcome BonusGet 10,000 EDGE Reward Points worth ₹2,000 on your first card transaction within 30 days.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Rewards RateEarn 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 per redemption.

Travel & Lifestyle

Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
Domestic Lounge Access2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months.
International Lounge Access
International Lounge Access12 complimentary international airport lounge accesses annually with Priority Pass membership.
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Travel Benefits12 complimentary international lounge accesses, 2 domestic lounge accesses/quarter, MakeMyTrip savings.
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Movie Benefits100% discount on 2nd movie ticket (up to ₹250, twice/month) via District app.
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Dining BenefitsFlat ₹200 off on Swiggy (twice/month) & up to 25% off (up to ₹800) at partner restaurants.
Golf Benefits
Golf Benefits6 complimentary golf rounds annually, plus 6 more on ₹3 lakh annual spend.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹4,000, max ₹400 waiver per cycle.

Security & Other

Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Insurance BenefitsPurchase Protection up to ₹1 lakh, travel document & baggage delay/loss cover up to USD 500.
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
Cash Advance Charges2.5% 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 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.

Who is it for?

The Axis Bank SELECT Credit Card is a versatile sub-premium lifestyle card offering extensive benefits across travel, shopping, dining, and golf. Cardholders enjoy complimentary domestic and international lounge access, accelerated reward points on retail shopping, and exclusive discounts on Swiggy and BigBasket. This card is ideal for individuals seeking a balanced rewards rate alongside premium lifestyle privileges.

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.

Pros

Key benefits and features.

Offers extensive lifestyle benefits across dining, shopping, travel, and golf categories.

Provides significant savings with discounts on popular platforms like Swiggy and BigBasket.

Includes valuable complimentary international and domestic airport lounge access.

Generous reward points on retail shopping, maximizing benefits for everyday spends.

Comprehensive insurance benefits provide added security for purchases and travel.

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.

Cons

Key drawbacks and limitations.

The joining and annual fees are relatively high for a sub-premium card.

Welcome benefits are less than the joining fee, reducing initial value for some users.

Reward points are not earned on essential categories like fuel, insurance, and utilities.

Domestic lounge access requires a minimum spend threshold in the preceding quarter.

High foreign currency markup of 3.5% makes international transactions expensive.

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.
Apply for ICICI Bank Coral Credit Card(opens in new tab)Apply for Axis Bank SELECT Credit Card(opens in new tab)