Which card has a lower forex fee: ICICI Bank Coral RuPay Credit Card or IRCTC SBI Card Premier?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: ICICI Bank Coral RuPay Credit Card or IRCTC SBI Card Premier?

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. IRCTC SBI Card Premier: 8 railway lounge visits per year (max 2/quarter) — IRCTC Executive Lounges.

Which card has a higher base reward rate?

IRCTC SBI Card Premier has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral RuPay vs SBI Card IRCTC SBI Card Premier Credit Cards – Fees, Lounge, Forex

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

Lounge SBI Card IRCTC SBI Card Premier

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

IRCTC SBI Card Premier SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year railway

Reward earning explained

Per card

Coral RuPay

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

IRCTC SBI Card Premier

10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back on AC1, AC2 and AC Chai…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral RuPay: ₹500 vs SBI Card IRCTC SBI Card Premier: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 8/year railway).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access SBI Card IRCTC SBI Card Premier wins

SBI Card IRCTC SBI Card Premier is better for lounge access

SBI Card IRCTC SBI Card Premier is stronger here. Domestic lounge access is no airport lounge access.
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:

IRCTC SBI Card Premier: ~₹500/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	IRCTC SBI Card Premier SBI Card
Lounge Access
Domestic lounge visits 1/quarter vs 8/year railway	1/quarter	8/year railway
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹1,499	₹500	₹1,499
Fee waiver spend ₹1,50,000 vs ₹2,00,000	₹1,50,000	₹2,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹1	₹0.25	₹1
Point validity Only available for IRCTC SBI Card Premier	Not specified	2 years

Notes

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