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

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 vs ₹899).

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge. IDBI Winnings RuPay Select Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~0.5%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral RuPay vs IDBI Bank Winnings RuPay Select Credit Cards – Fees, Lounge, Forex

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

Lounge IDBI Bank Winnings RuPay Select

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

Winnings RuPay Select IDBI Bank

Annual fee ₹899 Waivable at ₹90,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹2 spend in the calendar quarter

Reward earning explained

Per card

Coral RuPay

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

Winnings RuPay Select

2 pts / ₹100 on General spend (2 Delight Points for every Rs. 100 spent; exclud…

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 Winnings RuPay Select: ₹899), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 2/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access IDBI Bank Winnings RuPay Select wins

IDBI Bank Winnings RuPay Select is better for lounge access

IDBI Bank Winnings RuPay Select is stronger here. Domestic lounge access is 2 per quarter.
upi Tie

Both cards are similar for UPI usage

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
IDBI Winnings RuPay Select: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Coral RuPay ICICI Bank	Winnings RuPay Select IDBI Bank
Lounge Access
Domestic lounge visits 1/quarter vs 2/quarter	1/quarter	2/quarter
International lounge visits Only available for IDBI Winnings RuPay Select	Not specified	2/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹899	₹500	₹899
Joining fee ₹500 vs ₹0	₹500	₹0
Fee waiver spend ₹1,50,000 vs ₹90,000	₹1,50,000	₹90,000
Rewards
Points per ₹100	2 pts	2 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 Winnings RuPay Select	Not specified	3 years

Notes

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