0.8% · Up to 7% on online spend
Strong data Pairwise comparison
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AXIS Cashback vs ICICI Coral Visa
Side-by-side comparison of the Axis Bank Cashback and the ICICI Bank Coral Visa. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Coral Visa for a lower fee.
Coral Visa costs ₹500 less a year.
Head-to-head
- Annual fee Annual fee outcome: Coral Visa wins. Coral Visa saves ₹500/yrCashback ₹1,000 Waivable at ₹4,00,000 spendCoral Visa ₹500 Waivable at ₹1,50,000 spend
- Forex markup Forex markup outcome: tie. Cashback 3.5%Coral Visa 3.5%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. Cashback No complimentary lounge accessCoral Visa 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: tie. conservative base valueCashback ~0.8%Coral Visa ~0.5%
Reward earning explained
2 pts / ₹100
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Cashback: ~₹380/month at base rate
- Coral: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Cashback Axis Bank | Coral Visa ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter) | No complimentary lounge access | 4/year (1 per quarter) |
| International lounge visits Only available for Coral | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Annual-fee waiver ₹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 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Coral | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | No surcharge waiver | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded |
| 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% |
| Earn ceiling ₹400 per month vs Not stated | ₹400 per month | Not stated |
| Point validity Only available for Coral | Not specified | 3 years |
Notes
- ICICI Bank Coral Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank Cashback
Verify with issuer , opens external siteICICI Bank Coral Visa
Verify with issuer , opens external site