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

PhonePe SBI PURPLE Credit Card has a lower annual fee (₹499 vs ₹500).

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge. PhonePe SBI PURPLE Credit Card: No complimentary lounge access.

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 SBI Card PhonePe SBI PURPLE Credit Cards – Fees, Lounge, Forex

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

Lounge 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

PhonePe SBI PURPLE SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Coral RuPay

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

PhonePe SBI PURPLE

3 pts / ₹100 on PhonePe (app only) (app only · Up to 3% value back as reward po…

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 PhonePe SBI PURPLE: ₹499), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for lounge access

ICICI Bank Coral RuPay is stronger here. Domestic lounge access is 1 per quarter.
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:

Coral RuPay: ~₹250/month at base rate
PhonePe SBI PURPLE: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Coral RuPay ICICI Bank	PhonePe SBI PURPLE SBI Card
Lounge Access
Domestic lounge visits 1/quarter vs No complimentary lounge access	1/quarter	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹499	₹500	₹499
Joining fee ₹500 vs ₹499	₹500	₹499
Fee waiver spend ₹1,50,000 vs ₹1,00,000	₹1,50,000	₹1,00,000
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. Only available for Coral RuPay	₹0.25	Not specified

Notes

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