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

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

Axis Bank Cashback Credit Card: No complimentary lounge access. ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Axis Bank Cashback Credit Card has higher base reward value (~0.75% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

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

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

Lounge ICICI Bank Coral RuPay upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

Cashback Axis Bank

Annual fee ₹1,000 Waivable at ₹4,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

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

Cashback

0.8% · Up to 7% on online spend

Limited data

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 Cashback: ₹1,000 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access 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 Tie

Both cards are similar for rewards

Axis Bank Cashback conservative base value ~0.8% vs ICICI Bank Coral RuPay's ~0.5%. ICICI Bank Coral RuPay conservative base value ~0.5% vs Axis Bank Cashback's ~0.8%.
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 Cashback

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:

Cashback: ~₹380/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Cashback Axis Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹500	₹1,000	₹500
Joining fee ₹1,000 vs ₹500	₹1,000	₹500
Fee waiver spend ₹4,00,000 vs ₹1,50,000	₹4,00,000	₹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 0.8% vs 2 pts / ₹100	0.8%	2 pts / ₹100
Conservative base value ~0.8% vs ~0.5%	~0.8%	~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.