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

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

Which card offers better lounge access?

Swiggy Ornge HDFC Bank Credit Card: Lounge access not verified. ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Swiggy Ornge HDFC Bank Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Swiggy Ornge vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Swiggy Ornge and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Rewards HDFC Bank Swiggy Ornge upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

Swiggy Ornge HDFC Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge Lounge access not verified

Coral RuPay ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Swiggy Ornge

1% · Up to 5% on Swiggy

Limited data

Coral RuPay

2 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Swiggy Ornge: ₹500 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (Lounge access not verified vs 4/year (1 per 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

No verified lounge entitlement or explicit no-lounge evidence on file. Domestic lounge access is 1 per quarter.
Rewards HDFC Bank Swiggy Ornge wins

HDFC Bank Swiggy Ornge is better for rewards

HDFC Bank Swiggy Ornge is stronger here. HDFC Bank Swiggy Ornge conservative base value ~1% vs ICICI Bank Coral RuPay's ~0.5%.
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.

HDFC Bank Swiggy Ornge

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank Coral RuPay

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Swiggy Ornge HDFC Bank: ~₹500/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Swiggy Ornge HDFC Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits Only available for Coral RuPay	Not specified	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend	₹1,50,000	₹1,50,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 2 pts / ₹100	1%	2 pts / ₹100
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹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.