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
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 ₹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 / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent
| Feature | Rubyx Credit Card | 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 / ₹100 spent; International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent | Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹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 ₹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 | Not Listed |
| Redemption | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 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 |