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InterMiles ICICI Bank Rubyx Credit Card VS InterMiles 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.

Features

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

Fees & Charges

Joining Fee
₹2,500 + GST
₹5,000 + GST
Renewal Fee
₹2,500 + GST
₹5,000 + GST
Spend Based Waiver
Annual joining/renewal fee waived off for InterMiles Platinum Tier members.
Not Applicable
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount for international spends.
Interest Rate (APR)
3.5% per month (42% per annum).
3.5% per month (42% annually) on outstanding balances.

Rewards & Benefits

Welcome Bonus
5,000 bonus InterMiles, Rs. 500 flight voucher, Rs. 1,000 hotel voucher on joining.
10K bonus InterMiles & Silver Tier. Vouchers up to Rs. 750 (flight) & Rs. 1,500 (hotel) on AmEx.
Rewards Rate
Earn 3-10 InterMiles per Rs. 100 spent, depending on variant and spend category.
Up to 12.5 InterMiles per Rs. 100 on Etihad bookings (AmEx) & 10 InterMiles on InterMiles website.
Reward Type
Reward Points
InterMiles
Reward Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request.
Rs. 99 plus applicable taxes per redemption request.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic airport lounge accesses each quarter upon spending Rs. 5,000 in the previous quarter.
2 complimentary domestic lounge accesses per quarter, on spending Rs. 5,000 in previous quarter.
International Lounge Access
Not Applicable
2 complimentary international lounge accesses every year under Dreamfolks membership.
Travel Benefits
Accelerated InterMiles earnings for travel, 5% discount on Etihad flights & 24x7 concierge for travel bookings.
Accelerated InterMiles on InterMiles website bookings. Complimentary Dreamfolks membership with lounge/spa access.
Movie Benefits
25% off (up to Rs. 150) on 2 movie tickets via BookMyShow, twice a month.
Buy one get up to Rs. 500 off on second movie ticket on BookMyShow, twice per month.
Dining Benefits
Up to 15% discount on dining at select restaurants via ICICI Bank Culinary Treats.
Exclusive dining benefits through the ICICI Bank Culinary Treats program.
Golf Benefits
Not Applicable
1 complimentary round of golf per month for every Rs. 50,000 spent, up to 4 rounds monthly.
Fuel Surcharge Waiver
1% fuel surcharge waiver at HPCL petrol pumps for transactions up to Rs. 4,000.
1% fuel surcharge waived off at all fuel stations across India.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of amount transacted or Rs. 300, whichever is higher.
2.5% of transacted amount, subject to a minimum of Rs. 300.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

InterMiles ICICI Bank Rubyx Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

Who is it for?

The InterMiles ICICI Bank Rubyx Credit Card is a travel-focused co-branded card offering accelerated InterMiles earnings, complimentary domestic lounge access, and attractive discounts on movies and dining. It provides significant value for frequent travelers with bonus InterMiles on welcome and renewal, a fuel surcharge waiver, and 24x7 concierge services, making it a well-rounded choice for a convenient lifestyle.

Who is it for?

The InterMiles ICICI Bank Sapphiro Credit Card is a premium co-branded travel card, designed for frequent flyers. It offers valuable InterMiles on all expenditures, with enhanced earning rates for travel bookings, especially on Etihad Airways and the InterMiles website. Cardholders enjoy a suite of benefits including complimentary lounge access, movie discounts, and golf privileges, alongside attractive welcome and annual renewal perks. This card provides significant value for those who prioritize travel rewards.

Pros

Key benefits and features.

Generous InterMiles earnings, especially for online travel bookings and Etihad Airways flights.

Complimentary domestic lounge access offers significant value for frequent travelers.

Attractive welcome and renewal benefits with bonus InterMiles and travel vouchers.

Provides good lifestyle perks including movie, dining discounts and a fuel surcharge waiver.

Dual card variants (Amex/Visa) offer flexibility and wider acceptance for cardholders.

Pros

Key benefits and features.

Earns InterMiles on all spending, with accelerated rewards for travel bookings.

Comprehensive travel benefits including lounge access and Etihad Airways discounts.

Significant welcome and annual renewal benefits boost overall value for users.

Offers lifestyle perks like movie discounts, dining privileges, and golf rounds.

Cons

Key drawbacks and limitations.

Annual InterMiles earning is capped at 40,000, necessitating an extra fee for uncapping.

A redemption fee of Rs. 99 plus taxes applies to each InterMiles redemption request.

Complimentary lounge access is conditional on a minimum spend of Rs. 5,000 quarterly.

A high foreign currency markup of 3.5% makes international transactions less rewarding.

Limited InterMiles earnings on certain spend categories like fuel and utility payments.

Cons

Key drawbacks and limitations.

High joining and renewal fees may deter some users, particularly if not actively traveling.

A redemption fee of Rs. 99 (plus taxes) is charged for each reward redemption.

Annual cap of 60,000 InterMiles requires an uncapping fee for further earnings.

No InterMiles earned on fuel purchases, and reduced rate on utility/insurance.

High foreign currency markup of 3.5% on international transactions.

Ready to Choose?

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