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Side-by-Side Comparison|Updated March 2026

SBI Card AURUM 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

SBI Card AURUM

8.5/10
Annual Fee₹9,999
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

FeatureSBI Card AURUMICICI Bank Rubyx Credit Card
Annual Fee₹9,999₹2,000
Joining Fee₹9,999₹3,000
Fee Waiver Spend₹12,00,000₹3,00,000
Base Reward Rate1%0.25%
Reward CurrencyAURUM Reward PointICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card AURUM

No accelerated rewards listed

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

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

SBI Card AURUM 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 SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

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: SBI Card AURUM or ICICI Bank Rubyx Credit Card?
SBI Card AURUM 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 SBI Card AURUM and ICICI Bank Rubyx Credit Card?
SBI Card AURUM has an annual fee of ₹9,999, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Card AURUM or ICICI Bank Rubyx Credit Card?
SBI Card AURUM offers a base reward rate of 1%. 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 SBI Card AURUM and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card AURUM and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card AURUM or ICICI Bank Rubyx Credit Card?
For beginners, ICICI Bank Rubyx Credit Card may be more approachable with a lower annual fee of ₹2,000. However, evaluate based on your expected spending pattern rather than fee alone.

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