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 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 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% | 1.99% |
| 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?
It's a true tie — pick the one whose boost categories match your spend. ICICI Rubyx wins on 4 criteria, SBI ELITE on 4.
›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.