SBI Card
Data verifiedSBI Card PRIME
Milestone e-vouchers, Club Vistara Silver and quarterly lounge access for mid-tier spenders.
10x on dining & groceriesLounge access
Annual fee
₹2,999 + GST
ICICI Bank · Visa / Amex
ICICI Bank Rubyx Credit Card
Issued as a Visa and Amex pair, with dining discounts and domestic lounge access.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹3,000 + GST, renewal ₹2,000 + GST.
- No spend-based waiver, so the rewards have to cover the fee.
- Headline earn rate: 2 pts per ₹100.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
Also worth comparing for dual-card lifestyle
SBI Card
Data verifiedSBI Card ELITE
Welcome e-gift voucher, free movie tickets each month and international lounge visits.
5x on dining & groceriesLounge access
Annual fee
₹4,999 + GST
ICICI Bank
Data verifiedICICI Bank Sapphiro Credit Card
Airport lounge access at home and abroad, golf rounds and a strong welcome voucher bundle.
4 pts per ₹100Lounge access
Annual fee
₹3,500 + GST
Ready to apply for the ICICI Bank Rubyx Credit Card?
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