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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT 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.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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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

FeatureFabindia SBI Card SELECTICICI Bank Rubyx Credit Card
Annual Fee₹1,499₹2,000
Joining Fee₹1,499₹3,000
Fee Waiver Spend₹2,00,000₹3,00,000
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

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

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

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

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: Fabindia SBI Card SELECT or ICICI Bank Rubyx Credit Card?
Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Rubyx Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and ICICI Bank Rubyx Credit Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or ICICI Bank Rubyx Credit Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. 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 Fabindia SBI Card SELECT and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or ICICI Bank Rubyx Credit Card?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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