Kotak White Reserve vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Rubyx wins 7-2. Step up from Coral, adds dual-network and milestone rewards. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak White Reserve | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,000 |
| Joining fee | · ₹12,500 | ₹3,000 |
| Top reward rate | · Milestone | 1% (general) |
| Base reward rate | · Milestone | 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | · N/A | 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹350,000 / yr |
| Min income | = Not verified | = ₹600,000 |
| Min credit score | · N/A | 760 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
Kotak White Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
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
FAQ
›Kotak White Reserve vs ICICI Rubyx: which is better?
ICICI Rubyx wins on more dimensions (7 vs 2). 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 Kotak White Reserve for its best categories, ICICI Rubyx for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak White Reserve doesn't list a welcome bonus. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.