ICICI Bank 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 Rs 75,000 in the preceding calendar quarter
- Offers 2 complimentary domestic airport lounge visits per quarter, subject to spending Rs 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 / Rs 100 spent; International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent
YES First Preferred Credit Card
Rs 999Annual fee
Rs 2,50,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per calendar quarter
- Access is subject to a spend threshold of Rs 75,000 in the previous calendar quarter.
- Priority Pass or LoungeKey membership for the primary cardmember
- 4 complimentary international lounge visits per calendar year
1.75%Forex markup
Best for
travel, dining, lounge, movies, golf
Top rewards
Travel spends: 16 YES Rewardz Points / Rs 200 spent; Dining spends: 16 YES Rewardz Points / Rs 200 spent; Other retail spends: 8 YES Rewardz Points / Rs 200 spent
| Feature | ICICI Bank Rubyx Credit Card | YES First Preferred Credit Card |
|---|---|---|
| Issuer | ICICI Bank | YES Bank |
| Network | Visa, Mastercard, American Express | Visa, Mastercard |
| Joining fee | Rs 3,000 | Rs 999 |
| Annual fee | Rs 2,000 | Rs 999 |
| Fee waiver spend | Rs 3,00,000 | Rs 2,50,000 |
| Reward type | reward points | YES Rewardz points |
| Best for | lifestyle, movies, lounge, dining, travel | travel, dining, lounge, movies, golf |
| Top reward categories | Domestic retail spends: 2 Reward Points / Rs 100 spent; International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent | Travel spends: 16 YES Rewardz Points / Rs 200 spent; Dining spends: 16 YES Rewardz Points / Rs 200 spent; Other retail spends: 8 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | 8 |
| International lounge | 0 | 4 |
| Forex markup | 3.5% | 1.75% |
| Milestone benefits | Earn 3,000 reward points on spending Rs 3,00,000 in an anniversary year, Earn 1,500 reward points for every subsequent Rs 1,00,000 spent in the same anniversary year, capped at 15,000 reward points per year | Not listed |
| Redemption | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.1 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |