BoB Select vs ICICI Coral
Side-by-side credit card comparison to help you choose the best one.
ICICI Coral
Why this card wins: First Time Users — 2 points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | ICICI Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹499 + GST | ₹500 + GST |
| Rewards | 2 reward points per ₹100 spent | 2 points per ₹100 on all spends |
| Best For | Everyday Spending | First Time Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 500 reward points on first spend | None |
| Min Income | ₹15,000/month | ₹20,000/month |
| Lounge Access | 2 domestic per year | 4 domestic per year (1/quarter) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.1 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
Verdict
Based on rating and overall value, ICICI Coral ranks highest among your selected cards. It excels at First Time Users and offers 2 points per ₹100 on all spends.
Frequently asked questions
Which is better: BoB Select or ICICI Coral?
ICICI Coral has the higher CardKhoj rating (4.1/5) and is best for first time users. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and ICICI Coral?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for ICICI Coral.
Do BoB Select and ICICI Coral offer airport lounge access?
BoB Select: 2 domestic per year. ICICI Coral: 4 domestic per year (1/quarter).
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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