Head-to-head · 🇮🇳 India
SBI Cashback vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Cashback
VISA
Wins 7 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
Verdict
SBI Cashback wins 7-0. Pure online cashback — 5% on any online merchant, no partner restrictions. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | SBI Cashback | ICICI Rubyx |
|---|---|---|
| Annual fee | ₹999 | · ₹2,000 |
| Joining fee | ₹999 | · ₹3,000 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹350,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 750 | · 760 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
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
›SBI Cashback vs ICICI Rubyx: which is better?
SBI Cashback wins on more dimensions (7 vs 0). 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 SBI Cashback for online shopping, ICICI Rubyx for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Cashback: Cashback offsets joining fee on first ₹999+ spend. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.