Canara RuPay 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 | Canara Bank | ICICI Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹500 + GST | ₹500 + GST |
| Joining Fee | ₹500 + GST | ₹500 + GST |
| Rewards | 1 reward point per ₹100 spent | 2 points per ₹100 on all spends |
| Best For | Budget Users | 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 | None | None |
| Min Income | ₹12,000/month | ₹20,000/month |
| Lounge Access | None | 4 domestic per year (1/quarter) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.8 | 4.1 |
| Contactless | ||
| EMI Conversion |
Key Features
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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: Canara RuPay Select or ICICI Coral?
ICICI Coral has the higher CardKhoj rating (4.1/5) and is best for first time users. Canara RuPay Select is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: Canara RuPay Select and ICICI Coral?
They have the same annual fee: ₹500 + GST.
Do Canara RuPay Select and ICICI Coral offer airport lounge access?
Canara RuPay Select: no complimentary lounge access. 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.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.