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

Tata Neu Infinity SBI Card has lower forex markup (1.99% vs 3.5%).

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

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge. Tata Neu Infinity SBI Card: 2 domestic + 1 international lounge visits/quarter.

Which card has a higher base reward rate?

Tata Neu Infinity SBI Card has higher conservative base reward value (~1.5% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Coral RuPay vs SBI Card Tata Neu Infinity Credit Cards – Fees, Lounge, Forex

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

Coral RuPay

Tata Neu Infinity

The short answer

Verdict

Pick Tata Neu Infinity for spending abroad, lounge access and rewards.

Head-to-head

Three core metrics

Annual fee

Coral RuPay ₹500 Waivable at ₹1,50,000 spend

Tata Neu Infinity ₹1,499 Waivable at ₹3,00,000 spend

Coral RuPay saves ₹999/yr
Forex markup

Coral RuPay 3.5%

Tata Neu Infinity 1.99%

Tata Neu Infinity saves ~₹1,510 per ₹1L abroad
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)

Tata Neu Infinity 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Tata Neu Infinity: +4 lounge visits/yr

Reward earning explained

Per card

Coral RuPay

2 pts / ₹100

Limited data

Tata Neu Infinity

1.5 NeuCoins / ₹100 · Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Coral RuPay: ₹500 vs SBI Card Tata Neu Infinity: ₹1,499), forex markup (3.5% vs 1.99%), or lounge access (4/year (1 per quarter) vs 8/year (2 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only SBI Card Tata Neu Infinity has comparable evidence here. Forex markup is 1.99%.

Coral RuPay: Strong data Tata Neu Infinity: Strong data
Forex markup SBI Card Tata Neu Infinity wins

SBI Card Tata Neu Infinity is better for forex

SBI Card Tata Neu Infinity is stronger here. Forex markup is 1.99%.
Lounge access SBI Card Tata Neu Infinity wins

SBI Card Tata Neu Infinity is better for lounge access

SBI Card Tata Neu Infinity is stronger here. Domestic lounge access is 2 per quarter.
Rewards SBI Card Tata Neu Infinity wins

SBI Card Tata Neu Infinity is better for rewards

SBI Card Tata Neu Infinity is stronger here. SBI Card Tata Neu Infinity conservative base value ~1.5% vs ICICI Bank Coral RuPay's ~0.5%.
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity SBI Card: ~₹750/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Coral RuPay ICICI Bank	Tata Neu Infinity SBI Card
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 8/year (2 per quarter)	4/year (1 per quarter)	8/year (2 per quarter)
International lounge visits Not included vs 1 per quarter	No international lounge access	1 per quarter
Forex / International Use
Forex markup 3.5% vs 1.99%	3.5%	1.99%
Fees
Recurring annual fee ₹500 vs ₹1,499	₹500	₹1,499
Annual-fee waiver ₹1,50,000 vs ₹3,00,000	₹1,50,000	₹3,00,000
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 Only available for Coral RuPay	1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded	Not specified
Rewards
Points per ₹100 2 pts / ₹100 vs 1.5 NeuCoins / ₹100	2 pts / ₹100	1.5 NeuCoins / ₹100
Conservative base value ~0.5% vs ~1.5%	~0.5%	~1.5%
Earn ceiling Eligible spend capped at ₹20,000 per statement cycle vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	Eligible spend capped at ₹20,000 per statement cycle	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh 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 Tata Neu Infinity SBI Card	Not specified	2 years

Notes

ICICI Bank Coral RuPay Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Tata Neu Infinity SBI 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.

ICICI Bank Coral RuPay

Verify with issuer

SBI Card Tata Neu Infinity

Verify with issuer