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ICICI Bank Rubyx Credit Card VS YES Bank RESERV 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: 18 July 2026

Both ICICI Bank Rubyx Credit Card and YES Bank RESERV Credit Card suit travel-focused spenders, but they earn and cost differently. ICICI Bank Rubyx Credit Card costs ₹3,000 + GST and earns 4 RPs on international spends, 2 RPs on domestic, 1 RP on utility/insurance. YES Bank RESERV Credit Card costs ₹2,499 + GST and earns 24 Reward Points for every ₹200 spent on online shopping; 12 Reward Points for every ₹200 spent on offline shopping; 6 Reward Points for every ₹200 spent on select categories. ICICI Bank Rubyx Credit Card also brings 2 complimentary airport lounge accesses every quarter on ₹75,000 spend in preceding quarter, while YES Bank RESERV Credit Card counters with 12 complimentary domestic lounge accesses annually (3 per quarter) for primary and add-on cardholders, but requires a ₹1 Lakh spend in the previous quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card
YES Bank RESERV Credit Card
YES Bank RESERV Credit Card

Fees & Charges

Joining Fee₹3,000 + GST
Joining Fee₹2,499 + GST
Renewal Fee₹2,000 + GST
Renewal Fee₹2,499 + GST
Spend Based WaiverAnnual fee waived if ₹3 lakh or more is spent in the previous year.
Spend Based WaiverJoining fee waived on ₹40,000 spend in 30 days; renewal fee waived on ₹3 Lakh annual spend.
Foreign Transaction Fees3.5% of the transaction amount
Foreign Transaction Fees2%
Interest Rate (APR)3.75% per month (45% per annum)
Interest Rate (APR)2.99% Per Month (35.88% Annually)

Rewards & Benefits

Welcome BonusWelcome vouchers worth over ₹15,000 (Tata CLiQ, EaseMyTrip, Croma, Elivaas) & EazyDiner Prime membership.
Welcome Bonus
Rewards RateEarn 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance).
Rewards RateEarn 24 Reward Points for every ₹200 online, 12 points offline, and 6 points on select categories.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter.
Domestic Lounge Access12 complimentary domestic lounge visits annually (3 per quarter), spend-based (₹1 Lakh in previous quarter).
International Lounge Access
International Lounge Access6 complimentary international lounge visits annually for primary and add-on cardholders.
Travel BenefitsComplimentary domestic airport and railway lounge access, plus discounts on car rentals with Avis.
Travel BenefitsIncludes 12 domestic and 6 international lounge visits annually, plus reward point transfers to partner airlines.
Movie Benefits25% discount (up to ₹150) on 2 movie tickets on BookMyShow/INOX, twice monthly (spend condition applies).
Movie Benefits
Discounted movie tickets and redemption options via YesRewardz portal.
Dining BenefitsExciting discount offers on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.
Dining Benefits
Golf Benefits1 complimentary golf round or lesson for every ₹50,000 spent in previous month, max 2 per month.
Golf Benefits4 complimentary golf rounds with green fee waived and 1 complimentary golf lesson per year.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400 and ₹4,000 across all fuel stations in India.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹500-₹4,000, capped at ₹500/month.

Security & Other

Insurance Benefits₹1 Cr Personal Air Accident Cover, ₹50k Lost Card Liability Protection, and Personal Accident Insurance Cover.
Insurance Benefits₹15 Lakh Credit Shield Cover and ₹15-30 Lakh Lost Card Liability Protection.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
Cash Advance Charges2.5% or ₹650 (whichever is higher).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Rubyx Credit Card

YES Bank RESERV 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 YES Bank RESERV Credit Card is a premium offering designed for high-net-worth individuals, especially those who travel frequently internationally. It boasts one of the industry's lowest foreign currency markups at 2% and provides extensive travel benefits, including complimentary international and domestic lounge access. Cardholders also enjoy valuable golf privileges, robust insurance coverage, and a comprehensive reward program, making it a strong contender in the premium credit card segment despite its spend-based domestic lounge access.

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.

One of the lowest foreign currency markups at 2% makes international spending highly economical.

Offers 6 complimentary international lounge visits annually for both primary and add-on cardholders.

Provides valuable golf privileges including 4 complimentary rounds and a lesson each year.

Comprehensive insurance benefits like Credit Shield and Lost Card Liability Protection are included.

Attractive reward rate, earning up to 24 points per ₹200 spent, especially for online transactions.

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.

Domestic lounge access is spend-based, requiring ₹1 Lakh spend in the previous quarter.

A rewards redemption fee of ₹100 + GST is charged for redeeming accumulated points.

High interest rates of 2.99% per month can be a significant drawback if balances are carried.

Reward points are not awarded for fuel, cash withdrawals, rental, or wallet payments.

The annual fee of ₹2,499 + GST is relatively high if waiver conditions are not met.

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 ICICI Bank Rubyx Credit Card(opens in new tab)Apply for YES Bank RESERV Credit Card(opens in new tab)