Head-to-head · 🇮🇳 India
ICICI Sapphiro vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 5 of 10
Verdict
ICICI Rubyx wins 5-1. Step up from Coral — adds dual-network and milestone rewards. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹3,500 | ₹2,000 |
| Joining fee | · ₹6,500 | ₹3,000 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹600,000 / yr | ₹350,000 / yr |
| Min income | · ₹1,000,000 | ₹600,000 |
| Min credit score | · 780 | 760 |
| Editorial rating | 4.3/5 | · 4/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
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 Sapphiro vs ICICI Rubyx: which is better?
ICICI Rubyx wins on more dimensions (5 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.