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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.

Features

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
₹2,499 + GST
Renewal Fee
₹2,000 + GST
₹2,499 + GST
Spend Based Waiver
Annual fee waived on spending ₹3 lakhs or more in the previous year.
Joining Fee waived on spending ₹40,000 within 30 days. Renewal Fee waived on annual spends of ₹3 Lakh or more.
Foreign Transaction Fees
3.5% of the transaction amount on international spends.
1.75% (plus applicable taxes)
Interest Rate (APR)
3.75% per month (45% per annum) on ATM withdrawals or min due payment.
2.99% per month (35.88% annually)

Rewards & Benefits

Welcome Bonus
Travel & shopping vouchers worth over ₹5,000, including Tata CLiQ, EaseMyTrip, EazyDiner Prime, Croma, and DA MILANO discounts.
Not Applicable (as explicitly stated in card details)
Rewards Rate
Earn 4 RPs on international spends, 2 RPs on domestic, 1 RP on utility/insurance.
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.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST applies for reward point redemption.
₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
2 complimentary airport lounge accesses every quarter on ₹75,000 spend in preceding quarter.
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.
International Lounge Access
Not Applicable
6 complimentary international lounge accesses outside India each year for primary and add-on cardholders.
Travel Benefits
24x7 concierge services for hotel & flight bookings, car rentals, and emergency assistance.
Travel offers are available on the Yes Privileges portal. Reward Points are transferable to partner airlines’ AirMiles.
Movie Benefits
Get 25% off (up to ₹150) on movie tickets when booking two tickets, twice a month.
Not Applicable
Dining Benefits
Enjoy dining discounts with the Culinary Treats Programme.
Not Applicable
Golf Benefits
1 complimentary golf round/lesson for every ₹50,000 spent, max 2 per month.
4 complimentary rounds of golf with green fee waived per year and 1 complimentary golf lesson per year.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Up to ₹1 Cr Air Accident Insurance, ₹2 Lakh Personal Accident, Fraud Protection & Lost Card Liability.
Coverage worth ₹3 crore for air accident, ₹50 lakh for emergency overseas hospitalization, and credit shield up to ₹15 lakh.
Cash Advance Charges
Higher of ₹500 or 2.5% of the amount withdrawn.
2.5% or ₹500, whichever is higher.
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 card offering a blend of premium rewards and exclusive lifestyle privileges. It provides benefits across travel, shopping, dining, and movies, including movie ticket discounts and airport/railway lounge access. With comprehensive insurance coverage, 24x7 concierge services, and versatile reward point redemption, it's an excellent choice for substantial advantages and high-end perks.

Who is it for?

The YES Bank RESERV Credit Card is a premium offering, ideal for high-net-worth individuals seeking extensive travel and lifestyle benefits. It features an industry-low 1.75% foreign currency markup and generous international lounge access. Cardholders also enjoy complimentary golf rounds, comprehensive insurance, and attractive reward rates on online shopping. While domestic lounge access is spend-based, its overall premium perks make it a strong contender in the high-end credit card segment.

Pros

Key benefits and features.

Substantial insurance benefits including ₹1 crore air accident cover and ₹50,000 lost card liability protection.

Enjoy a 25% discount on movie bookings (up to ₹150) on BookMyShow and INOX, twice monthly.

Complimentary lounge access for both domestic airports and railways enhances travel comfort.

Spend-based annual fee waiver and milestone benefits provide opportunities to save more.

Pros

Key benefits and features.

Enjoys one of the industry's lowest foreign currency markups at just 1.75%.

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

Provides extensive insurance coverage, including air accident and overseas hospitalization.

High reward rate for online shopping, earning 24 points for every ₹200 spent.

Offers complimentary golf rounds and lessons, enhancing its premium lifestyle appeal.

Cons

Key drawbacks and limitations.

High 3.5% foreign currency markup diminishes the value of international reward points earned.

Domestic airport lounge access requires a high spend of ₹75,000 in the preceding quarter.

A reward redemption fee of ₹99 + GST applies, reducing the effective value of earned reward points.

Cons

Key drawbacks and limitations.

Domestic lounge access is conditional on meeting a ₹1 Lakh spend threshold in the prior quarter.

Reward points are not earned on fuel, cash withdrawals, rental/wallet, or EMI payments.

A fee of ₹100 + GST is charged for every reward point redemption request.

No explicit welcome benefits despite being a premium card with a joining fee.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.