Head-to-head · 🇮🇳 India
Kotak White Reserve vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
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 | Kotak White Reserve | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,000 |
| Joining fee | = ₹3,000 | = ₹3,000 |
| Top reward rate | 4% (dining) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹600,000 / yr | ₹350,000 / yr |
| Min income | · ₹1,800,000 | ₹600,000 |
| Min credit score | · 780 | 760 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
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
›Kotak White Reserve vs ICICI Rubyx: which is better?
It's a true tie — pick the one whose boost categories match your spend. Kotak White Reserve 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 Kotak White Reserve 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?
Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.