Head-to-head · 🇮🇳 India
ICICI Rubyx vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
ICICI Rubyx wins 5-4. Step up from Coral — adds dual-network and milestone rewards. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | ICICI Rubyx | SBI Aurum |
|---|---|---|
| Annual fee | ₹2,000 | · ₹9,999 |
| Joining fee | ₹3,000 | · ₹9,999 |
| Top reward rate | · 1% (general) | 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹350,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹600,000 | · ₹3,500,000 |
| Min credit score | 760 | · 800 |
| Editorial rating | · 4/5 | 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›ICICI Rubyx vs SBI Aurum: which is better?
ICICI Rubyx wins on more dimensions (5 vs 4). 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.