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Side-by-Side Comparison|Updated March 2026

Lifestyle Home Centre Max SBI 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.

SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹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

FeatureLifestyle Home Centre Max SBI CardICICI Bank Rubyx Credit Card
Annual Fee₹499₹2,000
Joining Fee₹499₹3,000
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

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, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

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: Lifestyle Home Centre Max SBI Card or ICICI Bank Rubyx Credit Card?
ICICI Bank Rubyx Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Lifestyle Home Centre Max SBI Card and ICICI Bank Rubyx Credit Card?
Lifestyle Home Centre Max SBI Card 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: Lifestyle Home Centre Max SBI Card or ICICI Bank Rubyx Credit Card?
Lifestyle Home Centre Max SBI Card offers a base reward rate of 0.25% with accelerated rewards on Landmark Stores - SHOPPING and DINING. 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 Lifestyle Home Centre Max SBI Card and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Lifestyle Home Centre Max SBI Card and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Lifestyle Home Centre Max SBI Card or ICICI Bank Rubyx Credit Card?
For beginners, Lifestyle Home Centre Max SBI Card 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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