Which card has a lower forex fee: Airtel Axis Bank Credit Card or ICICI Bank Coral RuPay Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Airtel Axis Bank Credit Card or ICICI Bank Coral RuPay Credit Card?

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

Airtel Axis Bank Credit Card: Lounge access removed from 12 April 2026. ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Airtel Axis Bank Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

Axis Bank Airtel vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Airtel and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge ICICI Bank Coral RuPay Rewards Axis Bank Airtel upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

Airtel Axis Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge Removed

Coral RuPay ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Airtel

Coral RuPay

2 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Airtel: ₹500 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (Removed vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for lounge access

ICICI Bank Coral RuPay is stronger here. Domestic lounge access is 1 per quarter.
Rewards Axis Bank Airtel wins

Axis Bank Airtel is better for rewards

Axis Bank Airtel is stronger here. Axis Bank Airtel conservative base value ~1% vs ICICI Bank Coral RuPay's ~0.5%.
upi ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for UPI usage

ICICI Bank Coral RuPay is stronger here. Supports UPI via RuPay network.

Axis Bank Airtel

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank Coral RuPay

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Airtel Axis Bank: ~₹500/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Airtel Axis Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits Removed vs 4/year (1 per quarter)	Removed	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend ₹2,00,000 vs ₹1,50,000	₹2,00,000	₹1,50,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Base earn 1% vs 2 pts / ₹100	1%	2 pts / ₹100
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Coral RuPay	Not specified	₹0.25

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.