AXIS Bank SELECT Credit Card VS ICICI Bank Rubyx Credit Card

Travel Credit Cards are no doubt one of the most pleasing cards to those who are indeed traveling most of the time. These types of credit cards are certainly issued for those people only. But travel credit cards can be the best when it comes to the rewards you can get with the spending you make with the card itself. However, there are many variants of different travel credit cards in the market by different banks. In this article, we will look into two of the most prevalent credit cards in the market by AXIS and ICICI i.e., AXIS Bank SELECT Credit Card and ICICI Bank Rubyx Credit Card. Since both credit cards fall under the same category, it is hard to determine which one of these cards should a cardholder choose.

Both the SELECT by AXIS and Rubyx by ICICI have a decent reward system where you get a value back as reward points in your every spend. One of the best features of both these cards is the airport lounge access and even golf and major insurance benefits with zero protection liability benefits. There are many other listed features that both these credit cards have but the characteristics of all those cannot be any different. To get a detailed view of both these credit cards, the features and benefits are further elaborated in the article.

AXIS Bank SELECT Credit Card

This AXIS Bank SELECT Credit Card comes with a joining fee of Rs. 3,000 plus taxes and has enormous travel, shopping, dining, movie, etc. It covers all the categories where you can think of spending this feature can also convert this credit card to a lifestyle credit card. There are also discounts on restaurant bills with the Dining Delight Program and on Swiggy orders as well. You get rewards with every Rs. 200 spent and the milestone benefits. The elaboration of all the features and benefits of this credit card are mentioned below –

Features and Benefits

Welcome Benefits

• You get a voucher worth Rs. 2,000 from Amazon if you make your first transaction within 90 days of your card activation.

Rewards

• 10 EDGE Points on every Rs. 200 spent
• On retail shopping you get 2X EDGE points on every Rs. 200 spent
• Fuel purchases do not incur any EDGE points.
• The accumulated reward points can be redeemed against shopping or travel vouchers or products from the given catalog.

Movie and Dining Benefits

• Up to 20% discount upon dining with the partnered restaurant
• Up to 40% discount (max capped at Rs. 400) on Swiggy, offer can be used twice a month on a minimum transaction value of Rs. 400/order
• With BookMyShow you Buy 1 movie ticket and get up to Rs. 300 off on your second ticket, an offer to be used twice a month.

Travel Benefits

• 6 complimentary international airport lounge access per year with a Priority Pass Membership. The membership is to be renewed only after a minimum expenditure of Rs. 3 Lakh in the previous year.
• 2 Complimentary Domestic airport lounge access per quarter

Golf

• 6 complimentary golf rounds per year
• You get 3 more additional rounds over a spend of Rs. 3 Lakh in a year

Milestone Benefits

• 5,000 bonus EDGE points upon spending over Rs. 3 Lakhs
• Annual or renewal fee waiver upon spending over Rs. 6 Lakhs in a year.
• Renewal of Priority Pass Membership on spending over Rs. 3 Lakh in a year.

Fuel

• 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000 with all the fuel stations across the country.

Fees and Charges

• Joining / Annual Fee = Rs. 3,000 + Taxes
• Interest Rate = 3.6% per month or 52.86% annually
• Foreign Markup Fee = 3.5% of the transacted amount
• Cash Advance Fee = 2.5% or a minimum of Rs. 500

This AXIS Bank SELECT Credit Card is one of the most suitable credit cards for almost everyone. Not just for traveling but it also has benefits in other categories like shopping, dining entertainment, etc. This makes it an almost all-rounder credit card, and the rewards are extraordinary as well. The one who is looking for a credit card with an advantageous reward system can surely look up to this credit card.

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ICICI Bank Rubyx Credit Card

The ICICI Bank’s Rubyx Credit Card is a dual platinum credit card which is the very first of its kind in India. This credit card is curated to provide benefits to its cardholders in many different categories with a great deal of benefits. The very first benefit this credit card gives you is a welcome gift voucher worth Rs. 5,000 or more. You also get to earn reward points on your every Rs. 100 spent. This card has many other benefits and features which are mentioned below –

Features and Benefits

Welcome Benefit

• Voucher worth Rs. 5,000 or more for travel or shopping
• This voucher is available within 30 days once the joining fee has been paid

Rewards

• 4 RPs on every Rs. 200 spent internationally
• 2 RPs on every Rs. 100 spent for domestic purchases
• For utility and insurance categories, you get 1 RP on every Rs. 100 spent
• Redemption rate for 1 RP = Rs. 0.25

Movies and Dining Benefits

• Up to 25% discount (up to Rs. 150) with BookMyShow on a minimum purchase of two tickets (this offer is to be availed 2 times in a month and 1 time for Mastercard and AmEx variants)
• Up to 25% discount (up to Rs. 150) upon purchasing a minimum two tickets on INOX (two times in a month and 1 time for Mastercard and AmEx variants)
• Existing dining discounts with the partnered restaurants on each dining bill.

Travel Benefits

• 2 complimentary domestic lounge access per quarter
• 2 complimentary railway lounge access per quarter
• 1 complimentary domestic airport lounge access with each of two variants (1 each with AmEx and MasterCard), i.e., 2 domestic airport lounge access per quarter with a minimum of Rs. 5,000 spent in the previous quarter.

Golf

• 1 complimentary golf round or lessons for every Rs. 50,000 spent in the previous month
• This benefit is capped at a maximum of 2 rounds per month

Milestone

• 3,000 RPs upon spending Rs. 3 Lakhs and 1,500 RPs on each subsequent spend of Rs. 1 Lakh in a year
• You get to earn up to 15,000 additional RPs in a year
• Renewal or annual fee waiver on a minimum expense over Rs. 3 Lakhs in the previous year

Fuel

• 1% Fuel Surcharge waiver in all transactions below Rs. 4,000 in all fuel stations across the country.

Fees and Charges

• Joining / Annual fee = Rs. 3,000 + Taxes for the first year and Rs. 2,000 + Taxes per year from second year onwards
• Interest Rate = 3.5% per month or 40.8% per annum
• Foreign Exchange Markup Fee = 3.5% of the transacted amount
• Cash Advance Fee = 2.5% or Rs. 300 whichever is higher.

The ICICI Bank Rubyx Credit Card is extremely beneficial as the annual fee gets lowered from the next year onwards. This is also a card that has a low interest rate in comparison to others and hence it makes this card very desirable.

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Quick Comparison

Here is a quick comparison between both credit cards to check which one of these have more or lesser benefits than the other –

This comparison table will help you access the details and compare both cards more efficiently.

Conclusion

Both the AXIS Bank SELECT Credit Card and ICICI Bank Rubyx Credit Card are great credit cards and stand out the most in their category. One who wishes to enjoy features like international airport lounge access and great rewards can surely go for AXIS Bank SELECT Credit Card. ICICI Bank Rubyx Credit Card is for those who wish to seek lower interest rates and yet great benefits. Otherwise, both credit cards cover all the categories for the rewards and benefits, the rest you can decide based on the table as to which credit card will be more efficient in your life.