Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Easy Gold Credit Card vs ICICI Bank Rubyx Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank Rubyx Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Easy Gold Credit CardICICI Bank Rubyx Credit Card
Annual Fee₹100₹2,000
Joining FeeFree₹3,000
Fee Waiver Spend₹50,000₹3,00,000
Base Reward Rate0.2%0.25%
Reward CurrencyEDGE Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating5.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

ICICI Bank Rubyx Credit Card

Pros

  • Dual card advantage: Benefits from two networks (Amex and Mastercard/Visa) on a single account.
  • Welcome vouchers worth ₹5,000+ covering travel and shopping, exceeding the joining fee.
  • Complimentary golf rounds (up to 2 per month) based on retail spends of ₹50,000.
  • 25% discount on movie tickets twice a month on both BookMyShow and INOX.

Cons

  • Lounge access is spend-linked (requires ₹75,000 spend in the previous quarter).
  • No complimentary international airport lounge access.
  • Low base reward rate of 0.5% (2 points per ₹100) compared to competitors.

Our Verdict

ICICI Bank Rubyx Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Choose ICICI Bank Rubyx Credit Card if

Offers a mix of golf, movies, and dining discounts through the Culinary Treats program.

Frequently Asked Questions

Which is better: Axis Bank Easy Gold Credit Card or ICICI Bank Rubyx Credit Card?
ICICI Bank Rubyx Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Easy Gold Credit Card and ICICI Bank Rubyx Credit Card?
Axis Bank Easy Gold Credit Card has an annual fee of ₹100, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Easy Gold Credit Card or ICICI Bank Rubyx Credit Card?
Axis Bank Easy Gold Credit Card offers a base reward rate of 0.2%. ICICI Bank Rubyx Credit Card offers 0.25% base rewards with bonuses on iShop (Travel/Vouchers). The better choice depends on your primary spending categories.
Can I have both Axis Bank Easy Gold Credit Card and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Easy Gold Credit Card and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Easy Gold Credit Card or ICICI Bank Rubyx Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Easy Gold Credit Card vs SBI Card ELITEICICI Bank Rubyx Credit Card vs SBI Card ELITEAxis Bank Easy Gold Credit Card vs Axis Bank Select Credit CardICICI Bank Rubyx Credit Card vs Axis Bank Select Credit Card

Explore More

Axis Bank Easy Gold Credit Card Full ReviewICICI Bank Rubyx Credit Card Full ReviewAll Axis Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips