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ICICI Bank Rubyx Credit Card VS ICICI Bank Sapphiro 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.
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Last updated: 21 July 2026

Both ICICI Bank Sapphiro Credit Card and ICICI Bank Rubyx Credit Card suit travel-focused spenders, but they earn and cost differently. ICICI Bank Sapphiro Credit Card costs ₹6,500 + GST and earns 4 RP/₹100 on international, 2 RP/₹100 on domestic (excl. fuel), 1 RP/₹100 on utility/insurance. 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). ICICI Bank Sapphiro Credit Card also brings 4 complimentary visits/quarter, subject to ₹75,000 spend in preceding quarter. Primary cardholder only, while ICICI Bank Rubyx Credit Card counters with 2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter. If premium spending matters more, go with ICICI Bank Sapphiro Credit Card; if shopping is the priority, ICICI Bank Rubyx Credit Card fits better.

ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card

Fees & Charges

Joining Fee₹3,000 + GST
Joining Fee₹6,500 + GST
Renewal Fee₹2,000 + GST
Renewal Fee₹3,500 + GST
Spend Based WaiverAnnual fee waived if ₹3 lakh or more is spent in the previous year.
Spend Based WaiverRenewal fee waiver on spending ₹6 lakhs or more annually in the preceding year.
Foreign Transaction Fees3.5% of the transaction amount
Foreign Transaction Fees3.50% + GST
Interest Rate (APR)3.75% per month (45% per annum)
Interest Rate (APR)3.75% per month (45% per annum) on purchases, ATM withdrawals, and minimum due payments.

Rewards & Benefits

Welcome BonusWelcome vouchers worth over ₹15,000 (Tata CLiQ, EaseMyTrip, Croma, Elivaas) & EazyDiner Prime membership.
Welcome BonusWelcome vouchers worth over ₹13,000 (Tata CliQ, EaseMyTrip, Da Milano, Croma) & 3 months EazyDiner Prime membership.
Rewards RateEarn 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance).
Rewards Rate4 RP/₹100 on international, 2 RP/₹100 on domestic (excl. fuel), 1 RP/₹100 on utility/insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter.
Domestic Lounge Access4 complimentary visits/quarter, subject to ₹75,000 spend in preceding quarter. Primary cardholder only.
International Lounge Access
International Lounge Access2 complimentary visits/year with Priority Pass/DreamFolks membership. Primary cardholder only.
Travel BenefitsComplimentary domestic airport and railway lounge access, plus discounts on car rentals with Avis.
Travel BenefitsComprehensive travel privileges including lounge access, insurance, and concierge services.
Movie Benefits25% discount (up to ₹150) on 2 movie tickets on BookMyShow/INOX, twice monthly (spend condition applies).
Movie BenefitsBuy One Get One Free movie ticket offer via BookMyShow (up to ₹500 off, twice a month), subject to ₹25,000 spend.
Dining BenefitsExciting discount offers on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.
Dining Benefits15% saving on bills at over 2,500 restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits1 complimentary golf round or lesson for every ₹50,000 spent in previous month, max 2 per month.
Golf BenefitsComplimentary rounds/lessons (up to 4/month), subject to ₹50,000 spend in preceding month.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400 and ₹4,000 across all fuel stations in India.
Fuel Surcharge Waiver1% waiver on transactions up to ₹4,000 (max ₹250/billing cycle) at all fuel pumps.

Security & Other

Insurance Benefits₹1 Cr Personal Air Accident Cover, ₹50k Lost Card Liability Protection, and Personal Accident Insurance Cover.
Insurance Benefits₹3 Cr air accident, ₹50k credit shield, baggage, travel document, flight delay, and fraud protection.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
Cash Advance Charges2.5% of transaction amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Rubyx Credit Card

ICICI Bank Sapphiro Credit Card

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.

Who is it for?

The ICICI Bank Sapphiro Credit Card is a premium offering for frequent travelers and individuals seeking extensive lifestyle benefits. It provides welcome vouchers worth over ₹13,000, complimentary domestic and international airport lounge access, and attractive movie ticket offers. With a comprehensive reward program and various insurance benefits, it's ideal for those looking for a feature-rich card that rewards diverse spending habits.

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.

Pros

Key benefits and features.

Generous welcome benefits worth over ₹13,000, significantly offsetting the initial joining fee.

Extensive complimentary domestic and international airport lounge access for globetrotters.

Attractive Buy One Get One Free movie ticket offer and exclusive dining discounts.

Comprehensive insurance coverage, including high air accident and various travel benefits.

Milestone rewards and annual fee waiver enhance long-term value for high spenders.

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.

Cons

Key drawbacks and limitations.

High joining and annual fees, though welcome benefits and waivers can mitigate costs.

Lounge, movie, and golf benefits are subject to significant spend-based eligibility criteria.

Reward points value is relatively low at ₹0.25 per point, with an additional redemption fee.

High foreign currency markup and interest rates make it less ideal for specific uses.

Movie benefit eligibility changes to a spend-based model from April 1, 2026.

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.
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