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ICICI Bank Coral Credit Card VS BOBCARD ETERNA 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
BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹2,499 + GST
Renewal Fee
₹500 + GST
₹2,499 + GST
Spend Based Waiver
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Joining fee waived on ₹25k spend in 60 days; Renewal fee waived on ₹2.5 Lakh spend/year.
Foreign Transaction Fees
3.5% of the transaction amount.
2% of the transacted amount
Interest Rate (APR)
3.75% per month (45% p.a.) on outstanding balance and cash advances.
3.25% per month or 39% per annum

Rewards & Benefits

Welcome Bonus
No specific welcome benefits are offered with the paid Coral variant.
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per redemption.
Nil

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter.
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
Movie Benefits
25% discount, up to ₹100, on movie tickets via BookMyShow and INOX (twice a month, min 2 tickets).
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
Dining Benefits
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.

Security & Other

Insurance Benefits
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
Cash Advance Charges
2.5% of transaction amount or ₹500 minimum (whichever is higher).
2.5% of withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

BOBCARD ETERNA 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 BOBCARD ETERNA Credit Card is a premium offering for those seeking an exclusive lifestyle. It provides extensive travel privileges, accelerated rewards on dining, travel, and international spends, and unlimited complimentary domestic airport lounge access. With a low foreign currency markup and various welcome benefits, the ETERNA card is designed to enhance lifestyle and provide smart savings for discerning cardholders.

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.

Fee waivers available for both joining and annual renewal based on spending milestones.

High-value accelerated reward points on key categories like dining, travel & shopping.

Substantial Personal Accidental Death Cover: ₹1 Crore for air, ₹10 Lakhs for non-air.

Competitive 2% foreign currency markup, making international spends more affordable.

Unlimited domestic airport lounge access is provided, with a quarterly spend condition.

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.

Domestic lounge access is conditional on a high ₹40,000 spend in prior quarter.

Previous golf benefits, including games and lessons, have been discontinued from the card.

Accelerated reward points are capped at 5,000 per cycle, limiting high-spenders' benefits.

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.