When choosing a credit card, it’s important to find one that fits your lifestyle. If you enjoy dining out and traveling, a card with rewards in those categories can upgrade your experience. ICICI Bank offers multiple credit cards for people with different preferences. Among them, the ICICI Sapphiro and Rubyx Credit Cards stand out for their unique benefits and features. Designed with travelers, shoppers, and entertainment enthusiasts in mind, both cards provide beneficial rewards and perks.
The ICICI Rubyx Credit Card is perfect for people who frequently spend on shopping and dining, thanks to its attractive rewards structure and much affordable joining fee. On the other hand, the ICICI Sapphiro Credit Card serves those who desire a more luxurious experience, providing higher rewards and exclusive benefits for frequent travelers.
Both cards are beneficial for their respective user bases. If you love shopping and dining out, the Rubyx card may be the best choice for you. However, if you travel often and seek premium benefits, the Sapphiro card is the best choice for you.
Comparing ICICI Rubyx and Sapphiro Credit Cards
| Features | ICICI Rubyx Credit Card | ICICI Sapphiro Credit Card |
| Joining Fee | ₹3,000 + GST | ₹6,500 + GST |
| Renewal Fee | ₹2,000 + GST | ₹3,500 + GST |
| Reward Rate |
|
|
| Reward Redemption | 1 RP = ₹0.25 | 1 RP = ₹0.25 |
| Welcome Benefit | Vouchers worth ₹5,000 on travel and shopping | Travel and shopping vouchers worth ₹9,500 |
| Dining and Entertainment |
|
|
| Airport Lounge | 2 domestic visits every quarter |
|
| Golf Benefits | 2 complimentary golf rounds every month | 4 complimentary golf rounds every month |
About ICICI Rubyx Credit Card
The ICICI Bank Rubyx Credit Card is India’s first dual platinum credit card, designed for people with different lifestyle needs. Currently available in the Visa variant, this card not only helps users earn rewards but also provides benefits across various categories, including travel, dining, and entertainment. With a joining fee of ₹3,000 along with taxes, cardholders are welcomed with exciting travel and shopping vouchers worth over ₹5,000. The card rewards users with up to 4 Reward Points for every ₹100 spent, along with multiple perks.
- A welcome gift of travel and shopping vouchers worth ₹5,000 or more after paying the joining fee.
- Earn 4 Reward Points for every ₹100 spent internationally, 2 points on domestic spends, and 1 point on utilities and insurance.
- 1 Reward Point = ₹0.25
- Redeem points for gift vouchers or cashback.
- Enjoy a 25% discount on movie tickets on BookMyShow and INOX for a maximum of ₹150 (limited to 2 purchases per month).
- Get 2 complimentary railway lounge accesses each quarter at selected stations.
- Access to 2 domestic airport lounges per quarter on the Visa variant and 1 on the MasterCard variant .
- Complimentary insurance benefits against air accidents, lost baggage, and more.
- Earn 3,000 Reward Points after spending ₹3 lakhs in a year, with an additional 1,500 points for further spending of ₹1 lakh.
- Renewal fee waived off if you spend a minimum of ₹3 lakhs in the previous year.
- 2 complimentary golf lessons/rounds each month for every ₹50,000 spent in the previous month.
- Enjoy dining discounts at partner restaurants with the Culinary Treats Program.
About ICICI Sapphiro Credit Card
The ICICI Bank Sapphiro Credit Card is created for those who seek luxury and excellent rewards while traveling and shopping. With an annual fee of ₹6,500 plus taxes, the card provides a number of benefits that make it highly desirable for frequent travelers and shoppers. Its features include welcome benefits, various Reward Points on purchases, access to airport lounges, and insurance coverage, guaranteeing cardholders enjoy a superior experience wherever they go.
- Exclusive welcome benefits worth over ₹9,500 in gift vouchers from Tata CliQ, EaseMyTrip, Uber, and Croma.
- Earn 4 Reward Points for every ₹100 spent on international purchases, 2 Reward Points for domestic purchases, and 1 Reward Point on insurance and utility.
- Redeem reward points at the rate of 1 RP = ₹0.25 for cashbacks, vouchers, or gifts.
- Complimentary Priority Pass membership for access to over 1,000 airport lounges worldwide.
- Four complimentary domestic lounge visits each quarter if you spend ₹75,000 in the previous quarter.
- Two complimentary international lounge visits each year at partner lounges.
- One free movie ticket when buying one ticket through BookMyShow, up to ₹500, available twice a month.
- Benefits from the Culinary Treats Programme for dining discount offers.
- Complimentary golf rounds or lessons at select premium golf courses for every ₹50,000 spent in the preceding quarter, with a maximum of four complimentary rounds or lessons per quarter.
- Complete insurance coverage, including air accident insurance of ₹3 crores and credit shield cover worth ₹50,000.
Which is the Better Card?
The ICICI Rubyx and Sapphiro Credit Cards are designed for premium users, but they serve different purposes. The Rubyx card is perfect for people who shop and travel often. It offers generous Reward Points and has a lower joining fee of ₹3,000 plus taxes. With great benefits for movie lovers and discounts on dining, it suits those who spend regularly.
The Sapphiro card, with a higher annual fee of ₹6,500 along with taxes, provides luxurious perks like complete lounge access and more substantial welcome gifts. It is better for frequent travelers looking for exclusive experiences and premium rewards.
If you value a balance of rewards and everyday spending, the Rubyx card is the better choice. However, if luxury and travel benefits are your priorities, the Sapphiro card stands out as the more advantageous option.
FAQs
What are the joining fees for both cards?
The joining fee for the ICICI Rubyx Credit Card is ₹3,000 plus taxes, while the ICICI Sapphiro Credit Card has a joining fee of ₹6,500 plus taxes.
What are the welcome benefits for each card?
The Rubyx card offers vouchers worth ₹5,000 for travel and shopping, while the Sapphiro card provides more luxurious vouchers valued at ₹9,500.
How many airport lounge visits do I get with each card?
With the Rubyx card, you can access 2 domestic lounges every quarter, while the Sapphiro card offers 4 domestic visits and 2 international visits annually.
What are the golf benefits available with each card?
The Rubyx card offers 2 complimentary golf rounds every month. In contrast, the Sapphiro card provides 4 complimentary golf rounds each month.