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Side-by-Side Comparison|Updated March 2026

Kotak Mahindra Bank Feast Gold 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.

Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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ICICI Bank

ICICI Bank Rubyx Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Mahindra Bank Feast GoldICICI Bank Rubyx Credit Card
Annual Fee₹499₹2,000
Joining FeeFree₹3,000
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate1%0.25%
Reward CurrencyDining PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

Kotak Mahindra Bank Feast Gold

Pros

  • High 10% reward rate on dining and movie spends.
  • Reward points have a high value of ₹1 per point.
  • Low annual fee of ₹499 with no joining fee.
  • Feast Shield provides ₹50,000 insurance against fraudulent transactions.

Cons

  • Rewards are capped at 600 points (₹600) per billing cycle.
  • Requires a minimum total spend of ₹5,000 in a cycle to qualify for dining points.
  • Dining points are only awarded for the first 5 transactions in a cycle.

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, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Mahindra Bank Feast Gold if

Offers a significant 10% value back on restaurant and movie spends, making it ideal for weekend outings.

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

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