Travel Credit Cards are undoubtedly one of the most appealing options for frequent travelers. These types of credit cards are certainly issued only to those people. 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 other 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 a cardholder should choose.
Both the SELECT by Axis and Rubyx by ICICI offer a decent reward system, where you earn reward points for every spend. One of the best features of both these cards is the airport lounge access. There are many other listed features that both these credit cards have, but the characteristics of all those cannot be any different.
Axis SELECT Credit Card
This Axis Bank SELECT Credit Card has a joining fee of ₹3,000 + GST and offers extensive benefits for travel, shopping, dining, movies, and more. It covers all spending categories and can be upgraded to a lifestyle credit card. Additionally, you get discounts on Swiggy orders. You earn rewards with every ₹200 spent and enjoy milestone benefits. Below, all the features and benefits of this credit card are detailed.
Key Features & Benefits:
Welcome Benefit: 10,000 EDGE Reward Points (worth ₹2,000) on your first transaction.
Rewards:
- 20 EDGE Points per ₹200 spent on retail purchases (until ₹20,000 monthly spends).
- 10 EDGE Points per ₹200 spent thereafter on all categories.
- 1 EDGE Point = ₹0.20 (redeemable for travel/shopping vouchers and more).
Movies: BOGO (Buy 1 Get 1) on movie tickets via the District by Zomato App (up to ₹250, twice per month).
Dining: Up to 20% discount on Swiggy orders twice per month.
Airport Lounge Access:
- 2 complimentary domestic lounge visits per quarter.
- 6 complimentary international lounge visits per year via Priority Pass (renewed on spends of ₹3 lakh annually).
Golf: 6 complimentary golf rounds per year + 3 extra rounds on spends above ₹3 lakh.
Milestone Benefits:
- 5,000 bonus EDGE Points on annual spends over ₹3 lakh.
- Renewal fee waiver on annual spends over ₹6 lakh.
- Priority Pass Membership renewal on spends above ₹3 lakh.
This Axis Bank SELECT Credit Card is one of the most suitable credit cards for nearly everyone, not only for travel but also for other categories like shopping, dining, and entertainment. This makes it a versatile all-around credit card, and the rewards are exceptional as well. Anyone seeking a credit card with a rewarding system can definitely consider this one.
ICICI Bank Rubyx Credit Card
The ICICI Bank Rubyx Credit Card is a dual platinum credit card and the first of its kind in India. This card is designed to offer benefits across various categories with numerous advantages. The first benefit you receive is welcome gift vouchers worth ₹5,000 or more. Additionally, you earn reward points for every ₹100 spent. The card features many other benefits and features, which are listed below –
Key Features & Benefits:
Welcome Benefits: Vouchers worth over ₹8,500, including:
- TataCliQ Voucher worth ₹3,000
- EaseMyTrip Vouchers worth ₹4,000
- Croma Voucher worth ₹1,500
- EazyDiner 3-Month Prime Membership
Rewards:
- 4 Reward Points per ₹100 on international spends.
- 2 Reward Points per ₹100 on domestic spends.
- 1 Reward Point per ₹100 on utility and insurance spends.
- 1 RP = ₹0.25 (redeemable for vouchers, travel, and more).
Movies: Up to 25% discount (up to ₹150) on BookMyShow and INOX bookings, twice a month.
Dining: Up to ₹800 off with EazyDiner dining offers.
Lounge Access:
- 2 complimentary domestic airport lounge visits per quarter.
- 1 complimentary domestic airport lounge access with AmEx and Mastercard variants each (total 2 per quarter, subject to ₹5,000 quarterly spend).
- 2 complimentary railway lounge visits per quarter.
Golf: 1 complimentary golf round or lesson for every ₹50,000 spent in the previous month (max 2 per month).
Milestone Benefits:
- 3,000 Reward Points on annual spends of ₹3 lakh.
- 1,500 Reward Points on every additional ₹1 lakh spent (up to 15,000 RPs annually).
- Renewal fee waiver on spends above ₹3 lakh annually.
Quick Comparison
Here is a quick comparison between the credit cards to see which one offers more or fewer benefits.
| Particulars | Axis Select Credit Card | ICICI Rubyx Credit Card |
| Joining Fee | ₹3,000 + GST | ₹3,000 + GST |
| Renewal Fee | ₹3,000 + GST | ₹2,000 + GST |
| Welcome Benefit | 10,000 EDGE Reward Points (Worth ₹2,000) on First Transaction |
|
| Rewards |
|
|
| Reward Redemption | EDGE Points are Redeemable for Travel/Shopping Vouchers and More. 1 EDGE Point = ₹0.20 | Redeem Points for Vouchers and More. 1 Reward Point = ₹0.25 |
| Movies Benefits | BOGO on Movie Tickets Via District by Zomato App (Up to ₹250, Twice Each Month) | 25% Discount Up to ₹150 on Movie Bookings Made With BookMyShow and INOX (Twice Each Month) |
| Dining Benefits |
|
N/A |
| Airport Lounge Access |
|
|
| Golf | 6 Complimentary Golf Rounds per Year + 3 Additional Rounds on Spending ₹3 Lakh in a Year | 1 Complimentary Golf Round or Lesson on Every ₹50,000 Spent in the Previous Month (Max 2 per Month) |
| Milestone Benefit |
|
|
Conclusion
Both the Axis Bank SELECT Credit Card and ICICI Bank Rubyx Credit Card are excellent options that stand out in their categories. Those who want features like international airport lounge access and high rewards can definitely choose the Axis Bank SELECT Credit Card. The ICICI Bank Rubyx Credit Card is ideal for those seeking lower interest rates along with great benefits. Otherwise, both cards offer comprehensive rewards and benefits. You can decide which one suits your needs better by referring to the table, based on which card will be more effective for your lifestyle.