Shortlist 2–4 cards
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | IndianOil Axis Bank Premium RuPay | Coral RuPay |
|---|---|---|
| Annual fee | ₹1,000 Waivable at ₹30,000 spend | ₹500 Waivable at ₹1,50,000 spend |
| Forex fee | 3.5% | 0.99% |
| Domestic lounge | 8/year (2 per quarter) | 16/year (4 per quarter) |
Fees: Coral RuPay wins
Confidence: High
Forex: Coral RuPay wins
Confidence: Medium (verify with issuer)
Lounge: Coral RuPay wins
Confidence: Medium (verify with issuer)
Confidence varies by card — verify issuer terms
Start with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 0.99%), or lounge access (8/year (2 per quarter) vs 16/year (4 per quarter)).
Explore: Axis Bank IndianOil Axis Bank Premium RuPay card page · ICICI Bank Coral RuPay card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| IndianOil Axis Bank Premium RuPay Axis Bank | Coral RuPay ICICI Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 16/year (4 per quarter) | 8/year (2 per quarter) | 16/year (4 per quarter) |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 0.99% | 3.5% | 0.99% |
| Fees | ||
| Annual fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Joining fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Fee waiver spend ₹30,000 vs ₹1,50,000 | ₹30,000 | ₹1,50,000 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 2 pts/₹100 | 1 pts/₹150 | 2 pts/₹100 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |