Head-to-head · 🇮🇳 India
ICICI Rubyx vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 1 of 10
IN
SBI Card
SBI Prime
Wins 7 of 10
Verdict
SBI Prime wins 7-1. Step up from SimplyClick with lounge access. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI Rubyx | SBI Prime |
|---|---|---|
| Annual fee | ₹2,000 | · ₹2,999 |
| Joining fee | · ₹3,000 | ₹2,999 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹350,000 / yr | ₹300,000 / yr |
| Min income | · ₹600,000 | ₹480,000 |
| Min credit score | · 760 | 750 |
| Editorial rating | · 4/5 | 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›ICICI Rubyx vs SBI Prime: which is better?
SBI Prime wins on more dimensions (7 vs 1). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).