2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank My Zone vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Coral RuPay for upi.
Head-to-head
Three core metrics- Annual fee My Zone ₹500 Annual-fee waiver not offeredCoral RuPay ₹500 Waivable at ₹1,50,000 spend
- Forex markup My Zone 3.5%Coral RuPay 3.5%
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsCoral RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card2 pts / ₹100
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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Rewards Tie Both cards are similar for rewards
Axis Bank My Zone conservative base value ~0.4% vs ICICI Bank Coral RuPay's ~0.5%. ICICI Bank Coral RuPay conservative base value ~0.5% vs Axis Bank My Zone's ~0.4%.
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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.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Coral RuPay: ~₹250/month at base rate
- My Zone: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | Coral RuPay ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits Only available for Coral RuPay | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹500 | ₹500 |
| Annual-fee waiver Not offered vs ₹1,50,000 | Not offered | ₹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 RuPay | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 2 EDGE Reward Points / ₹100 vs 2 pts / ₹100 | 2 EDGE Reward Points / ₹100 | 2 pts / ₹100 |
| Conservative base value ~0.4% vs ~0.5% | ~0.4% | ~0.5% |
| Earn ceiling Not stated vs Eligible spend capped at ₹20,000 per statement cycle | Not stated | Eligible spend capped at ₹20,000 per statement cycle |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.25 | ₹0.2 | ₹0.25 |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- ICICI Bank Coral RuPay 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 My Zone
Verify with issuer , opens external siteICICI Bank Coral RuPay
Verify with issuer , opens external site