Which card has a lower forex fee: HDFC MoneyBack Plus 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: HDFC MoneyBack Plus Credit Card or ICICI Bank Coral RuPay Credit Card?

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

Which card offers better lounge access?

HDFC MoneyBack Plus Credit Card: No domestic lounge. ICICI Bank Coral RuPay Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

ICICI Bank Coral RuPay Credit Card has higher base reward value (~0.5% vs ~0.33%).

Pairwise comparison Add another card →

HDFC Bank MoneyBack Plus vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank MoneyBack Plus 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

MoneyBack Plus HDFC Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

Coral RuPay ICICI Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

MoneyBack Plus

2 pts / ₹150 on General spend

Coral RuPay

3 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank MoneyBack Plus: ₹500 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

MoneyBack Plus: Limited data Coral RuPay: Limited data
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 4/year.

MoneyBack Plus: Limited data Coral RuPay: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹500.

MoneyBack Plus: Limited data Coral RuPay: Limited data
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
MoneyBack Plus: ~₹170/month at base rate

Illustrative only, using current base rates before caps.

Field	MoneyBack Plus HDFC Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Rewards
Points per ₹150 2 pts vs 3 pts	2 pts	3 pts
Point cash value	₹0.25	₹0.25

Notes

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