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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.

Coral RuPay
IRCTC SBI Card Premier

The short answer

Verdict

Pick IRCTC SBI Card Premier for lounge access.

Head-to-head

Three core metrics
  • Annual fee
    Coral RuPay ₹500 Waivable at ₹1,50,000 spend
    IRCTC SBI Card Premier ₹1,499 Waivable at ₹2,00,000 spend
    Coral RuPay saves ₹999/yr
  • Forex markup
    Coral RuPay 3.5%
    IRCTC SBI Card Premier 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)
    IRCTC SBI Card Premier 8/year railway
    IRCTC SBI Card Premier: +4 lounge visits/yr

Reward earning explained

Per card
Coral RuPay

2 pts / ₹100

Limited data
IRCTC SBI Card Premier

0.8 pts / ₹100 · Up to 10 pts / ₹100 on IRCTC

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 SBI Card IRCTC SBI Card Premier: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per 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.

  • Rewards Tie

    Both cards are similar for rewards

    ICICI Bank Coral RuPay conservative base value ~0.5% vs SBI Card IRCTC SBI Card Premier's ~0.8%. SBI Card IRCTC SBI Card Premier conservative base value ~0.8% vs ICICI Bank Coral RuPay's ~0.5%.

  • upi Tie

    Both cards are similar for UPI usage

    Supports UPI via RuPay network.

View ICICI Bank Coral RuPay → View SBI Card IRCTC SBI Card Premier → See more rankings →

All fields

Example usage at this monthly spend

At ₹50k/month spend:

  • IRCTC SBI Card Premier: ~₹400/month at base rate
  • Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field Coral RuPay ICICI Bank IRCTC SBI Card Premier SBI Card
Insurance — Lost card liability cover
Only available for IRCTC SBI Card Premier
 Not specified ₹1 lakh
Insurance — Underwriter
Only available for IRCTC SBI Card Premier
 Not specified Insured by ICICI Lombard General Insurance Company Limited
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
4/year (1 per quarter) vs 8/year railway
 4/year (1 per quarter) 8/year railway
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
Annual-fee waiver
₹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
Monthly interest rate 3.75% / month 3.75% / 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–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded
 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded 1% surcharge waiver · ₹500–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded
Rewards
Points per ₹100
2 pts / ₹100 vs 0.8 pts / ₹100
 2 pts / ₹100 0.8 pts / ₹100
Conservative base value
~0.5% vs ~0.8%
 ~0.5% ~0.8%
Earn ceiling
Eligible spend capped at ₹20,000 per statement cycle vs 750 points per statement cycle; at 4 pts / ₹100, this lane reaches the cap at ₹18,750 of eligible spend
 Eligible spend capped at ₹20,000 per statement cycle 750 points per statement cycle; at 4 pts / ₹100, this lane reaches the cap at ₹18,750 of eligible spend
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

  • 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.

Related comparisons

Next useful checks

ICICI Bank Coral RuPay

Verify with issuer , opens external site

SBI Card IRCTC SBI Card Premier

Verify with issuer , opens external site
Data refreshed through 3 Sept 2026 moneymatters.cards Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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