Head-to-head · 🇮🇳 India
Axis ACE vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 8 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
Verdict
Axis ACE wins 8-0. Bill payments + utilities + fuel — set-and-forget cashback ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | Axis ACE | ICICI Rubyx |
|---|---|---|
| Annual fee | ₹499 | · ₹2,000 |
| Joining fee | ₹499 | · ₹3,000 |
| Top reward rate | 4% (fuel) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹350,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 750 | · 760 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
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
›Axis ACE vs ICICI Rubyx: which is better?
Axis ACE wins on more dimensions (8 vs 0). 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 Axis ACE 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?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.