ICICI Rubyx vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Rubyx wins 6-1. Step up from Coral, adds dual-network and milestone rewards. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | ICICI Rubyx | Kotak White |
|---|---|---|
| Annual fee | ₹2,000 | · ₹3,000 |
| Joining fee | = ₹3,000 | = ₹3,000 |
| Top reward rate | 1% (general) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹350,000 / yr | · ₹500,000 / yr |
| Min income | ₹600,000 | · ₹2,500,000 |
| Min credit score | 760 | · N/A |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›ICICI Rubyx vs Kotak White: which is better?
ICICI Rubyx wins on more dimensions (6 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use ICICI Rubyx for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.