Which card has a lower forex fee: ICICI Bank Coral RuPay Credit Card or Standard Chartered Smart 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 Standard Chartered Smart Credit Card?

Standard Chartered Smart 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. Standard Chartered Smart Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Standard Chartered Smart Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral RuPay vs Standard Chartered Bank India Standard Chartered Smart Credit Cards – Fees, Lounge, Forex

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

Lounge ICICI Bank Coral RuPay 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

Standard Chartered Smart Standard Chartered Bank India

Annual fee ₹499 Waivable at ₹1,20,000 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

Standard Chartered Smart

2% on Online shopping (online only) + 1% on General spend (Applies to eligible…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral RuPay: ₹500 vs Standard Chartered Bank India Standard Chartered Smart: ₹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 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

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Standard Chartered Smart: ~₹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	Standard Chartered Smart Standard Chartered Bank India
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 ₹0	₹500	₹0
Fee waiver spend ₹1,50,000 vs ₹1,20,000	₹1,50,000	₹1,20,000
Interest-free period Up to 48 days vs Up to 90 days	Up to 48 days	Up to 90 days
Rewards
Points per ₹100 2 pts vs 1%	2 pts	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹1	₹0.25	₹1

Notes

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