Skip to main content

Axis Bank SELECT Credit Card VS ICICI Bank Rubyx Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 18 July 2026

Both Axis Bank SELECT Credit Card and ICICI Bank Rubyx Credit Card suit travel-focused spenders, but they earn and cost differently. Axis Bank SELECT Credit Card costs ₹3,000 + GST and earns 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200. ICICI Bank Rubyx Credit Card costs ₹3,000 + GST and earns 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance). Axis Bank SELECT Credit Card also brings 2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months, while ICICI Bank Rubyx Credit Card counters with 2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Axis Bank SELECT Credit Card
Axis Bank SELECT Credit Card
ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card

Fees & Charges

Joining Fee₹3,000 + GST
Joining Fee₹3,000 + GST
Renewal Fee₹3,000 + GST
Renewal Fee₹2,000 + GST
Spend Based WaiverAnnual fee waived on spends of ₹8 lakh or more in a card anniversary year.
Spend Based WaiverAnnual fee waived if ₹3 lakh or more is spent in the previous year.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the transaction amount
Interest Rate (APR)3.75% per month (55.55% annually) for retail purchases and cash.
Interest Rate (APR)3.75% per month (45% per annum)

Rewards & Benefits

Welcome BonusGet 10,000 EDGE Reward Points worth ₹2,000 on your first card transaction within 30 days.
Welcome BonusWelcome vouchers worth over ₹15,000 (Tata CLiQ, EaseMyTrip, Croma, Elivaas) & EazyDiner Prime membership.
Rewards RateEarn 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200.
Rewards RateEarn 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 per redemption.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months.
Domestic Lounge Access2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter.
International Lounge Access12 complimentary international airport lounge accesses annually with Priority Pass membership.
International Lounge Access
Travel Benefits12 complimentary international lounge accesses, 2 domestic lounge accesses/quarter, MakeMyTrip savings.
Travel BenefitsComplimentary domestic airport and railway lounge access, plus discounts on car rentals with Avis.
Movie Benefits100% discount on 2nd movie ticket (up to ₹250, twice/month) via District app.
Movie Benefits25% discount (up to ₹150) on 2 movie tickets on BookMyShow/INOX, twice monthly (spend condition applies).
Dining BenefitsFlat ₹200 off on Swiggy (twice/month) & up to 25% off (up to ₹800) at partner restaurants.
Dining BenefitsExciting discount offers on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.
Golf Benefits6 complimentary golf rounds annually, plus 6 more on ₹3 lakh annual spend.
Golf Benefits1 complimentary golf round or lesson for every ₹50,000 spent in previous month, max 2 per month.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹4,000, max ₹400 waiver per cycle.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400 and ₹4,000 across all fuel stations in India.

Security & Other

Insurance BenefitsPurchase Protection up to ₹1 lakh, travel document & baggage delay/loss cover up to USD 500.
Insurance Benefits₹1 Cr Personal Air Accident Cover, ₹50k Lost Card Liability Protection, and Personal Accident Insurance Cover.
Cash Advance Charges2.5% of cash amount, minimum ₹500.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank SELECT Credit Card

ICICI Bank Rubyx Credit Card

Who is it for?

The Axis Bank SELECT Credit Card is a versatile sub-premium lifestyle card offering extensive benefits across travel, shopping, dining, and golf. Cardholders enjoy complimentary domestic and international lounge access, accelerated reward points on retail shopping, and exclusive discounts on Swiggy and BigBasket. This card is ideal for individuals seeking a balanced rewards rate alongside premium lifestyle privileges.

Who is it for?

The ICICI Bank Rubyx Credit Card is a sub-premium offering designed for individuals seeking a blend of premium rewards and exclusive lifestyle privileges. It offers a robust rewards program on both domestic and international spends, coupled with lifestyle benefits such as discounts on movies and dining, complimentary airport and railway lounge access, and comprehensive insurance coverage. The card also provides a spend-based annual fee waiver, making it an attractive option for those who meet the spending thresholds. It's ideal for frequent travelers and shoppers looking for an affordable card with significant advantages.

Pros

Key benefits and features.

Offers extensive lifestyle benefits across dining, shopping, travel, and golf categories.

Provides significant savings with discounts on popular platforms like Swiggy and BigBasket.

Includes valuable complimentary international and domestic airport lounge access.

Generous reward points on retail shopping, maximizing benefits for everyday spends.

Comprehensive insurance benefits provide added security for purchases and travel.

Pros

Key benefits and features.

Offers several useful insurance benefits, including a ₹1 crore air accident cover.

Provides attractive movie offers with a 25% discount on BookMyShow and INOX.

Includes complimentary domestic airport and railway lounge access for travelers.

Flexible reward points that can be redeemed against cash or a variety of gifts.

Features 24x7 i-Assist concierge services for various assistance needs.

Cons

Key drawbacks and limitations.

The joining and annual fees are relatively high for a sub-premium card.

Welcome benefits are less than the joining fee, reducing initial value for some users.

Reward points are not earned on essential categories like fuel, insurance, and utilities.

Domestic lounge access requires a minimum spend threshold in the preceding quarter.

High foreign currency markup of 3.5% makes international transactions expensive.

Cons

Key drawbacks and limitations.

Reward rate is not high, and 3.5% foreign currency markup makes international spending unattractive.

Airport lounge access is conditional, requiring high spends of ₹75,000 in the preceding quarter.

Movie benefits also require a spend of ₹25,000 in the preceding quarter to be eligible.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank SELECT Credit Card(opens in new tab)Apply for ICICI Bank Rubyx Credit Card(opens in new tab)