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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.
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Last updated: 18 July 2026

Both InterMiles ICICI Bank Rubyx Credit Card and InterMiles ICICI Bank Sapphiro Credit Card suit travel-focused spenders, but they earn and cost differently. InterMiles ICICI Bank Rubyx Credit Card costs ₹2,500 + GST and earns 3-10 InterMiles per Rs. 100 spent, depending on variant and spend category. InterMiles ICICI Bank Sapphiro Credit Card costs ₹5,000 + GST and earns up to 12.5 InterMiles per Rs. 100 on Etihad bookings (AmEx) & 10 InterMiles on InterMiles website. InterMiles ICICI Bank Rubyx Credit Card also brings 2 complimentary domestic airport lounge accesses each quarter upon spending Rs. 5,000 in the previous quarter, while InterMiles ICICI Bank Sapphiro Credit Card counters with 2 complimentary domestic lounge accesses per quarter, on spending Rs. 5,000 in previous quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹5,000 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹5,000 + GST
Spend Based WaiverAnnual joining/renewal fee is waived off for InterMiles Platinum Tier members.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.5% per month (42% per annum).
Interest Rate (APR)3.5% per month (42% annually).

Rewards & Benefits

Welcome Bonus5,000 bonus InterMiles, flight voucher worth Rs. 500, hotel voucher worth Rs. 1,000 on intermiles.com.
Welcome BonusComplimentary InterMiles Silver Tier membership, 10,000 bonus InterMiles, flight/hotel discount vouchers.
Rewards RateUp to 10 InterMiles per Rs. 100 on Etihad (Amex), 8 InterMiles on intermiles.com (Amex).
Rewards RateUp to 5-7 InterMiles per Rs. 100 on domestic/international; 8-12.5 InterMiles on InterMiles website.
Reward TypeAir Miles
Reward TypeAir Miles
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge access each quarter, subject to Rs. 5,000 spend in previous quarter.
Domestic Lounge Access2 complimentary domestic lounge visits per quarter with minimum Rs. 5,000 spend in previous quarter.
International Lounge Access
International Lounge Access2 complimentary international airport lounge visits every year under Dreamfolks membership.
Travel BenefitsAccelerated InterMiles on flight bookings, 5% discount on Etihad Airways base fare, 2 complimentary domestic lounge access.
Travel BenefitsAccelerated InterMiles on InterMiles website bookings, discounts on Etihad Airways, Dreamfolks membership.
Movie Benefits25% discount (up to Rs. 150) on movie tickets on BookMyShow, twice a month for 2 tickets.
Movie BenefitsBuy one movie ticket and get up to Rs. 500 off on the second ticket on BookMyShow (max 2 times/month).
Dining BenefitsUp to 15% discount on dining across hundreds of participating restaurants via ICICI Bank Culinary Treats.
Dining BenefitsExclusive dining benefits through the ICICI Bank Culinary Treats Programme.
Golf Benefits
Golf BenefitsUp to 4 complimentary rounds of golf each month (1 round for every Rs. 50,000 spent).
Fuel Surcharge Waiver1% fuel surcharge waiver across all HPCL petrol pumps for a maximum fuel transaction of Rs. 4,000.
Fuel Surcharge Waiver1% fuel surcharge waived off at all fuel stations across India.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the amount transacted or Rs. 300 (whichever is higher).
Cash Advance Charges2.5% of the transacted amount, subject to a minimum amount 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, co-branded with intermiles.com, was a mid-range travel credit card from ICICI Bank. It offered exclusive travel benefits, including earning InterMiles on spends, bonus InterMiles as welcome and renewal benefits, and complimentary domestic airport lounge access. Cardholders also enjoyed dining discounts and movie offers, making it suitable for frequent travelers, movie enthusiasts, and diners. Please note, this card is currently discontinued.

Who is it for?

The InterMiles ICICI Bank Sapphiro Credit Card is a travel-centric card designed for frequent flyers, especially those using Etihad Airways or booking via the InterMiles website. It offers strong reward earning potential in InterMiles, along with valuable welcome and renewal benefits like bonus miles and discount vouchers. Cardholders also enjoy complimentary lounge access, golf privileges, movie discounts, and a 24x7 concierge service, making it ideal for individuals seeking comprehensive travel and lifestyle perks. Please note, this card is currently discontinued.

Pros

Key benefits and features.

Generous InterMiles earning, especially on travel and intermiles.com bookings.

Valuable welcome and renewal benefits including bonus InterMiles and vouchers.

Complimentary domestic airport lounge access enhances travel convenience.

Significant discounts on dining and movie tickets add lifestyle benefits.

Comprehensive 24x7 concierge service provides extensive assistance.

Pros

Key benefits and features.

Strong reward earning potential for travel, especially Etihad Airways and InterMiles website bookings.

Complimentary domestic and international lounge access, plus domestic airport spa visits.

Valuable welcome and annual renewal benefits, including bonus InterMiles and discount vouchers.

Additional lifestyle benefits like movie discounts, dining programs, golf privileges, and 24x7 concierge.

Fuel surcharge waiver is applicable at all fuel stations across India.

Cons

Key drawbacks and limitations.

Annual InterMiles earning is capped at 40,000, requiring a fee to exceed.

Lounge access is conditional on a minimum spend in the previous quarter.

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

High foreign currency markup of 3.5% makes international spends costly.

No InterMiles are earned on fuel purchases, limiting rewards in that category.

Cons

Key drawbacks and limitations.

The InterMiles ICICI Bank Sapphiro Credit Card is currently discontinued.

A maximum cap of 60,000 InterMiles per year, with a Rs. 7,500 uncapping fee.

No InterMiles on fuel, low earning rate on insurance and utility bill payments.

High interest rates and foreign currency markup apply to this credit card.

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.