Which card has a lower forex fee: ICICI Bank Coral RuPay Credit Card or ICICI Bank HPCL Super Saver Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: ICICI Bank Coral RuPay Credit Card or ICICI Bank HPCL Super Saver Credit Card?

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

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge. ICICI Bank HPCL Super Saver 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 →

ICICI Bank Coral RuPay vs ICICI Bank HPCL Super Saver Credit Cards – Fees, Lounge, Forex

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

upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

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

HPCL Super Saver 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

Coral RuPay

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

HPCL Super Saver

10 pts / ₹150 on General spend + 4% on HPCL (domestic)

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral RuPay: ₹500 vs ICICI Bank HPCL Super Saver: ₹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
HPCL Super Saver: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Coral RuPay ICICI Bank	HPCL Super Saver 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	₹1,50,000	₹1,50,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 10 pts/₹150	2 pts/₹100	10 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Coral RuPay	₹0.25	Not specified

Notes

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