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 annual fee vs ₹1,499 annual fee from second year).

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?

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

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.

Coral RuPay

Euphoria World

The short answer

Verdict

Pick Coral RuPay for upi.

Pick Euphoria World for lounge access.

Head-to-head

Three core metrics

Annual fee

Coral RuPay ₹500 Waivable at ₹1,50,000 spend

Euphoria World ₹1,499 Waivable at Above ₹1,50,000 spend

Coral RuPay saves ₹999/yr
Forex markup

Coral RuPay 3.5%

Euphoria World 3.5%
Domestic lounge

Coral RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Euphoria World 12/year

Euphoria World: +8 lounge visits/yr

Reward earning explained

Per card

Coral RuPay

2 pts / ₹100

Limited data

Euphoria World

3 pts / ₹100 · Up to 6 pts / ₹100 on Travel

Strong data

Pick based on what matters

4 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 (4/year (1 per 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.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: ICICI Bank Coral RuPay conservative base value ~0.5% per ₹100. IDBI Bank Euphoria World is not safely INR-comparable (no usable point value).

Coral RuPay: Limited data Euphoria World: Strong 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.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Coral RuPay: ~₹250/month at base rate
IDBI Euphoria World: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Coral RuPay ICICI Bank	Euphoria World IDBI Bank
Insurance — Air accident cover Only available for IDBI Euphoria World	Not specified	₹25 lakh
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 12/year	4/year (1 per quarter)	12/year
International lounge visits Only available for Coral RuPay	No international lounge access	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹500 vs ₹1,499	₹500	₹1,499
First-year cost Only available for IDBI Euphoria World	Not specified	₹0
Annual-fee waiver ₹1,50,000 vs Above ₹1,50,000	₹1,50,000	Above ₹1,50,000
Monthly interest rate 3.75% / month vs 2.9% / month	3.75% / month	2.9% / month
Late-payment charge Only available for Coral RuPay	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Points per ₹100 2 pts / ₹100 vs 3 pts / ₹100	2 pts / ₹100	3 pts / ₹100
Conservative base value ~0.5% vs Not safely INR-comparable	~0.5%	Not safely INR-comparable
Earn ceiling Eligible spend capped at ₹20,000 per statement cycle vs Not stated	Eligible spend capped at ₹20,000 per statement cycle	Not stated
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
Point validity Only available for IDBI Euphoria World	Not specified	3 years

Notes

ICICI Bank Coral RuPay Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

ICICI Bank Coral RuPay

Verify with issuer

IDBI Bank Euphoria World

Verify with issuer