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ICICI Bank Coral Credit Card VS Yes Bank Marquee 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
Yes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹9,999 + GST
Renewal Fee
₹500 + GST
₹4,999 + GST
Spend Based Waiver
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Renewal fee waived on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees
3.5% of the transaction amount.
1% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% p.a.) on outstanding balance and cash advances.
2.99% per month (35.88% annually).

Rewards & Benefits

Welcome Bonus
No specific welcome benefits are offered with the paid Coral variant.
Get 40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Earn 36 Reward Points on ₹200 online spends (4.5%) & 18 Reward Points on ₹200 offline spends (2.25%).
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.
6 complimentary domestic airport lounge visits each quarter for primary/add-on cardholders.
International Lounge Access
Not Applicable
Unlimited international lounge access for primary & add-on cardholders, plus 4 guest visits/year.
Travel Benefits
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
Unlimited international lounge access, 6 domestic lounge visits/quarter, and low 1% foreign currency markup.
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) free on movie ticket bookings, capped at 3 transactions/month (max ₹800/ticket).
Dining Benefits
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Enjoy a 15% discount on select restaurants.
Golf Benefits
Not Applicable
Waiver of 4 Green Fee rounds & one complimentary golf lesson every calendar month at select courses.
Fuel Surcharge Waiver
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.
1% on fuel (Rs. 400-Rs. 5,000) with max waiver of ₹1,000 per statement cycle.

Security & Other

Insurance Benefits
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Credit Shield Cover of Rs. 3 Lakh and 6-month accidental damage insurance for mobile/electronics.
Cash Advance Charges
2.5% of transaction amount or ₹500 minimum (whichever is higher).
2.5% of the transaction amount.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Coral Credit Card

Yes Bank Marquee 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 Yes Bank Marquee Credit Card is a super-premium offering designed for individuals who frequently shop online, travel, and seek entertainment benefits. It provides comprehensive features including unlimited international lounge access, BOGO movie offers, dining discounts, and accelerated Reward Points. With purchase protection and a low foreign currency markup, it's a well-rounded option for premium cardholders seeking high-value benefits.

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.

Unlimited international lounge access and a low 1% foreign currency markup for global travel.

Attractive BOGO movie offers and dining discounts make it appealing for entertainment.

Accelerated reward points on online and offline spends provide significant value back.

Comprehensive insurance benefits including credit shield and purchase protection for devices.

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.

High joining fee of Rs. 9,999 + GST, which might be a barrier for some.

Welcome benefits may feel limited compared to the significant initial joining fees.

High minimum income required (₹3 Lakh/month) limits accessibility for many applicants.

Domestic lounge access is conditional on spending, unlike the unlimited international access.

Ready to Choose?

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