Which card has a lower forex fee: ICICI Bank Coral RuPay Credit Card or CRED IndusInd Bank RuPay 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 CRED IndusInd Bank RuPay Credit Card?

CRED IndusInd Bank RuPay Credit Card has a lower annual fee (₹499 annual fee vs ₹500 annual fee).

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge. CRED IndusInd Bank RuPay Credit Card: Lounge access not verified.

Which card has a higher base reward rate?

CRED IndusInd Bank RuPay Credit Card has higher conservative base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral RuPay vs IndusInd Bank CRED IndusInd Bank RuPay Credit Cards – Fees, Lounge, Forex

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

Coral RuPay

CRED IndusInd Bank RuPay

The short answer

Verdict

Pick CRED IndusInd Bank RuPay for rewards.

Head-to-head

Three core metrics

Annual fee

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

CRED IndusInd Bank RuPay ₹499

CRED IndusInd Bank RuPay saves ₹1/yr
Forex markup

Coral RuPay 3.5%

CRED IndusInd Bank RuPay 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)

CRED IndusInd Bank RuPay Lounge access not verified

Reward earning explained

Per card

Coral RuPay

2 pts / ₹100

Limited data

CRED IndusInd Bank RuPay

1% · 5% on eligible cred, uPI, and online

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 IndusInd Bank CRED IndusInd Bank RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).

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. No verified lounge entitlement or explicit no-lounge evidence on file.
Rewards IndusInd Bank CRED IndusInd Bank RuPay wins

IndusInd Bank CRED IndusInd Bank RuPay is better for rewards

IndusInd Bank CRED IndusInd Bank RuPay is stronger here. IndusInd Bank CRED IndusInd Bank RuPay conservative base value ~1% vs ICICI Bank Coral RuPay's ~0.5%.
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:

CRED IndusInd Bank RuPay: ~₹500/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Coral RuPay ICICI Bank	CRED IndusInd Bank RuPay IndusInd Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats Only available for Coral RuPay	4/year (1 per quarter)	Not specified
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 ₹499	₹500	₹499
Annual-fee waiver Only available for Coral RuPay	₹1,50,000	Not specified
Interest-free period Only available for Coral RuPay	Up to 48 days	Not specified
Monthly interest rate 3.75% / month vs 3.95% / month	3.75% / month	3.95% / 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 · ₹500–₹5,000 transactions	1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹500–₹5,000 transactions
Rewards
Base earn 2 pts / ₹100 vs 1%	2 pts / ₹100	1%
Conservative base value ~0.5% vs ~1%	~0.5%	~1%
Earn ceiling Eligible spend capped at ₹20,000 per statement cycle vs 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping	Eligible spend capped at ₹20,000 per statement cycle	5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping
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

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

IndusInd Bank CRED IndusInd Bank RuPay

Verify with issuer