Head-to-head · 🇮🇳 India
ICICI Platinum Chip vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | ICICI Platinum Chip | ICICI Rubyx |
|---|---|---|
| Annual fee | No annual fee | · ₹2,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | · 0.5% (general) | 1% (general) |
| Base reward rate | · 0.5% | 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = No welcome bonus — fee-free for life | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · N/A (no fee) | ₹350,000 / yr |
| Min income | ₹200,000 | · ₹600,000 |
| Min credit score | 700 | · 760 |
| Editorial rating | · 3.6/5 | 4/5 |
Benefits compared
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
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
›ICICI Platinum Chip vs ICICI Rubyx: which is better?
It's a true tie — pick the one whose boost categories match your spend. ICICI Platinum Chip wins on 4 criteria, ICICI Rubyx on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Platinum Chip 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?
ICICI Platinum Chip: No welcome bonus — fee-free for life. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.