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

CheQ AU Credit Card has lower forex markup (3.49% vs 3.5%).

Which card has a lower annual fee: CheQ AU Credit Card or ICICI Bank Coral RuPay Credit Card?

CheQ AU Credit Card has a lower annual fee (₹499 vs ₹500).

Which card offers better lounge access?

CheQ AU Credit Card: Domestic lounge details not available. ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank CheQ vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank CheQ and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

CheQ AU Small Finance Bank

Annual fee ₹499
Forex markup 3.49%
Domestic lounge Not specified

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

CheQ

12 pts / ₹100 on Partner Brands (app only) (app only · 12% CheQ points (24 poin…

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 (AU Small Finance Bank CheQ: ₹499 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.49% vs 3.5%), or lounge access (Not specified vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.49%. Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only ICICI Bank Coral RuPay has comparable evidence here. Domestic lounge access is 1 per quarter.

Coral RuPay: Limited data
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Coral RuPay: ~₹250/month at base rate
CheQ AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	CheQ AU Small Finance Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits Only available for Coral RuPay	Not specified	1/quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 3.49% vs 3.5%	3.49%	3.5%
Fees
Annual fee ₹499 vs ₹500	₹499	₹500
Joining fee ₹499 vs ₹500	₹499	₹500
Fee waiver spend Only available for Coral RuPay	Not specified	₹1,50,000
Interest-free period Only available for Coral RuPay	Not specified	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. Only available for Coral RuPay	Not specified	₹0.25

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.