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

Axis Bank Neo Credit Card has a lower annual fee (₹250 vs ₹500).

Which card offers better lounge access?

Axis Bank Neo 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?

ICICI Bank Coral RuPay Credit Card has higher base reward value (~0.5% vs ~0.2%).

Pairwise comparison Compare 3+ cards →

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

Side-by-side comparison of the Axis Bank Neo 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

Neo Axis Bank

Annual fee ₹250
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 1/quarter Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Neo

1 pt / ₹100 on General spend

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 Neo: ₹250 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 1/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.
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
Neo: ~₹100/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Neo Axis Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹500	₹250	₹500
Joining fee ₹250 vs ₹500	₹250	₹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 1 pts vs 2 pts	1 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.