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

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

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

ICICI Bank Coral RuPay Credit Card has higher base reward value (~0.5% vs ~0.4%).

Pairwise comparison Compare 3+ cards →

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.

upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Coral RuPay ICICI Bank

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

Reward earning explained

Per card

My Zone

2 pts / ₹100 on General spend (4 EDGE REWARD points per ₹200 (= 2/₹100). Exclud…

Coral RuPay

2 pts / ₹100 on General spend + 1 pt / ₹100 on Utility Insurance

Pick based on what matters

3 dimensions

Start 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 (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
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.

Verify with issuer

All fields

Standard view

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.

Swipe for all fields

Field	My Zone Axis Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend Only available for Coral RuPay	Not specified	₹1,50,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Points per ₹100	2 pts	2 pts
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

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.