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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs ICICI Bank NRI Coral Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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ICICI Bank

ICICI Bank NRI Coral Credit Card

7/10
Annual Fee₹500
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardICICI Bank NRI Coral Credit Card
Annual Fee₹5,000₹500
Joining Fee₹5,000₹1,000
Fee Waiver Spend₹3,00,000₹1,50,000
Base Reward Rate1%0.125%
Reward CurrencyEDGE REWARD PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.5/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

ICICI Bank NRI Coral Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

ICICI Bank NRI Coral Credit Card

Pros

  • Earn 2 Reward Points for every ₹100 spent on retail transactions.
  • 1 complimentary domestic airport lounge visit per quarter on spending ₹75,000 in the previous quarter.
  • 25% discount up to ₹100 on movie tickets via BookMyShow and INOX twice monthly.
  • 15% savings on dining bills at over 2,500 partner restaurants via ICICI Culinary Treats.

Cons

  • High quarterly spend requirement of ₹75,000 for lounge access.
  • Low reward redemption value of ₹0.25 per point.
  • No international lounge access included.

Our Verdict

Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank NRI Coral Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose ICICI Bank NRI Coral Credit Card if

Ideal for NRIs who frequently visit India and want to earn rewards on local spends and enjoy dining/movie perks.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or ICICI Bank NRI Coral Credit Card?
Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank NRI Coral Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Signature Credit Card and ICICI Bank NRI Coral Credit Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while ICICI Bank NRI Coral Credit Card has an annual fee of ₹500. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. ICICI Bank NRI Coral Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or ICICI Bank NRI Coral Credit Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. ICICI Bank NRI Coral Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and ICICI Bank NRI Coral Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and ICICI Bank NRI Coral Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or ICICI Bank NRI Coral Credit Card?
For beginners, ICICI Bank NRI Coral Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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