Head-to-head · 🇮🇳 India
ICICI Rubyx vs SBI ELITE
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 4 of 10
IN
Premium
SBI Card
SBI ELITE
Wins 3 of 10
Verdict
ICICI Rubyx wins 4-3. Step up from Coral, adds dual-network and milestone rewards. SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | ICICI Rubyx | SBI ELITE |
|---|---|---|
| Annual fee | ₹2,000 | · ₹4,999 |
| Joining fee | ₹3,000 | · ₹4,999 |
| Top reward rate | · 1% (general) | 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹350,000 / yr | · ₹1,000,000 / yr |
| Min income | = ₹600,000 | = ₹600,000 |
| Min credit score | 760 | · 770 |
| Editorial rating | · 4/5 | 4.4/5 |
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
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›ICICI Rubyx vs SBI ELITE: which is better?
ICICI Rubyx wins on more dimensions (4 vs 3). 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, SBI ELITE 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. SBI ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.