Adani One Signature Credit Card
Rs 5,000Annual fee
Rs 6,00,000Fee waiver spend
16Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge accesses per quarter (16 per year)
- Domestic lounge: 4 complimentary visits per quarter via Visa Lounge Access; 16 per year total.
- Premium lounge upgrades at Adani-managed airports
- 2 complimentary international airport lounge accesses per year
- Premium lounge upgrades at Adani-managed airports
- International lounge: 2 complimentary visits per year.
3.5%Forex markup
Best for
Adani, Airport, Travel, Lounge, Movies
Top rewards
Adani One Ecosystem Spends (flights, Hotels, Airports, CNG, Electricity, Trainman): 7% Adani Reward Points; International Spends: 2% Adani Reward Points; Other Domestic Spends (excl. Fuel, Rent): 1.5% Adani Reward Points
Rubyx Credit Card
Rs 2,000Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Two complimentary domestic airport lounge visits per quarter, subject to spending ₹75,000 in the preceding calendar quarter
- Offers 2 complimentary domestic airport lounge visits per quarter, subject to spending ₹75,000 in the preceding calendar quarter.
- Two complimentary domestic railway lounge visits per quarter (no spend requirement)
- Offers 2 complimentary domestic railway lounge visits per quarter (no spends criteria).
3.5%Forex markup
Best for
Lifestyle, Movies, Lounge, Dining, Travel
Top rewards
Domestic Retail Spends: 2 Reward Points / ₹100 spent; International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent
| Feature | Adani One Signature Credit Card | Rubyx Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Network | Visa | Visa, Mastercard, American Express |
| Joining fee | Rs 5,000 | Rs 3,000 |
| Annual fee | Rs 5,000 | Rs 2,000 |
| Fee waiver spend | Rs 6,00,000 | Rs 3,00,000 |
| Reward type | Adani Reward Points | Reward Points |
| Best for | Adani, Airport, Travel, Lounge, Movies | Lifestyle, Movies, Lounge, Dining, Travel |
| Top reward categories | Adani One Ecosystem Spends (flights, Hotels, Airports, CNG, Electricity, Trainman): 7% Adani Reward Points; International Spends: 2% Adani Reward Points; Other Domestic Spends (excl. Fuel, Rent): 1.5% Adani Reward Points | Domestic Retail Spends: 2 Reward Points / ₹100 spent; International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | 8 |
| International lounge | 2 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Earn 3,000 reward points on spending ₹3,00,000 in an anniversary year, Earn 1,500 reward points for every subsequent ₹1,00,000 spent in the same anniversary year, capped at 15,000 reward points per year |
| Redemption | Not Listed | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel payments, Rent payments, EMI transactions, Insurance payments, Credit card bill payments, Income tax payments | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions |