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 annual fee vs ₹899 annual fee).

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 + 4 per year international.

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 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.

Coral RuPay

Winnings RuPay Select

The short answer

Verdict

Pick Winnings RuPay Select for lounge access.

Head-to-head

Three core metrics

Annual fee

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

Winnings RuPay Select ₹899 Waivable at ₹90,000 spend

Coral RuPay saves ₹399/yr
Forex markup

Coral RuPay 3.5%

Winnings RuPay Select 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)

Winnings RuPay Select 8/year (2 per quarter)

Winnings RuPay Select: +4 lounge visits/yr

Reward earning explained

Per card

Coral RuPay

2 pts / ₹100

Limited data

Winnings RuPay Select

2 pts / ₹100

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 Winnings RuPay Select: ₹899), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 8/year (2 per 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.
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 Winnings RuPay Select is not safely INR-comparable (no usable point value).

Coral RuPay: Limited data Winnings RuPay Select: Strong data
upi Tie

Both cards are similar for UPI usage

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 Winnings RuPay Select: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Coral RuPay ICICI Bank	Winnings RuPay Select IDBI Bank
Insurance — Air accident cover Only available for IDBI Winnings RuPay Select	Not specified	₹10 lakh
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 8/year (2 per quarter)	4/year (1 per quarter)	8/year (2 per quarter)
International lounge visits Not included vs 4 per year	No international lounge access	4 per year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹500 vs ₹899	₹500	₹899
Annual-fee waiver ₹1,50,000 vs ₹90,000	₹1,50,000	₹90,000
Monthly interest rate 3.75% / month vs 3.4% / month	3.75% / month	3.4% / 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–₹4,000 transactions	1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹400–₹4,000 transactions
Rewards
Points per ₹100	2 pts / ₹100	2 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 Winnings RuPay Select	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 Winnings RuPay Select

Verify with issuer