Which card has a lower forex fee: ICICI Bank Coral RuPay Credit Card or IDBI Euphoria World 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 IDBI Euphoria World Credit Card?

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 vs ₹1,499).

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge. IDBI Euphoria World Credit Card: 12 per year domestic lounge.

Which card has a higher base reward rate?

IDBI Euphoria World Credit Card has higher base reward value (~0.75% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral RuPay vs IDBI Bank Euphoria World Credit Cards – Fees, Lounge, Forex

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

Lounge IDBI Bank Euphoria World 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

Euphoria World IDBI Bank

Annual fee ₹1,499 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 12/year

Reward earning explained

Per card

Coral RuPay

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

Euphoria World

6 pts / ₹100 on Travel (6 Delight Points for every 100 you spend on travel rela…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral RuPay: ₹500 vs IDBI Bank Euphoria World: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 12/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access IDBI Bank Euphoria World wins

IDBI Bank Euphoria World is better for lounge access

IDBI Bank Euphoria World is stronger here. Domestic lounge access is 12 per year.
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:

IDBI Euphoria World: ~₹380/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Coral RuPay ICICI Bank	Euphoria World IDBI Bank
Lounge Access
Domestic lounge visits 1/quarter vs 12/year	1/quarter	12/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹0	₹500	₹0
Fee waiver spend	₹1,50,000	₹1,50,000
Rewards
Points per ₹100 2 pts vs 3 pts	2 pts	3 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹0.25	₹0.25
Point validity Only available for IDBI Euphoria World	Not specified	3 years

Notes

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