ICICI Coral vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
ICICI Coral
ICICI Bank
Mid-RangeVS
Winner
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeAnnual Fee
₹500 vs FREE
Effective Rate
(cash value)
0.5% vs 0.8%
Lounge Access
1/quarter vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | ICICI Coral | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | FREE |
| Annual Fee | ₹500 | FREE |
| Fee Waiver | Spend ₹1.5L annually | None |
| Forex Markup | - | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.5% | 0.75% |
Lounge Access | ||
| Domestic Lounges | 1/quarter | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.6L | ₹12.0L |
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
IDFC FIRST Select wins!
Score: 19vsScore: 41
