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

SBI Card MILES has lower forex markup (3% vs 3.5%).

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

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. SBI Card MILES: 1 per year domestic lounge.

Which card has a higher base reward rate?

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

Pairwise comparison Compare 3+ cards →

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

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

Forex SBI Card MILES upi ICICI Bank Coral RuPay

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

MILES SBI Card

Annual fee ₹1,499 Waivable at ₹6,00,000 spend
Forex markup 3%
Domestic lounge 1/year Conditional · Domestic: 1/year · requires ₹1,00,000 spend in the previous year

Reward earning explained

Per card

Coral RuPay

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

MILES

1 pt / ₹100 on General spend

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 MILES: ₹1,499), forex markup (3.5% vs 3%), or lounge access (1/quarter vs 1/year).

Forex markup SBI Card MILES wins

SBI Card MILES is better for forex

SBI Card MILES is stronger here. SBI Card MILES has a lower forex markup (3% vs 3.5%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter. Domestic lounge access is 1 per year.
upi ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for UPI usage

ICICI Bank Coral RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI MILES: ~₹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	MILES SBI Card
Lounge Access
Domestic lounge visits 1/quarter vs 1/year	1/quarter	1/year
Forex / International Use
Forex markup Limited support — verify with issuer. 3.5% vs 3%	3.5%	3%
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 ₹6,00,000	₹1,50,000	₹6,00,000
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 SBI MILES	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.