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Side-by-Side Comparison|Updated March 2026

Tata Star 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

Tata Star SBI Card

7.8/10
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

FeatureTata Star SBI CardICICI Bank Rubyx Credit Card
Annual Fee₹499₹2,000
Joining Fee₹499₹3,000
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate1%0.25%
Reward CurrencyReward PointICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

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

Tata Star SBI Card 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 Tata Star SBI Card if

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

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: Tata Star SBI Card or ICICI Bank Rubyx Credit Card?
Tata Star SBI Card 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 Tata Star SBI Card and ICICI Bank Rubyx Credit Card?
Tata Star SBI Card has an annual fee of ₹499, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or ICICI Bank Rubyx Credit Card?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery 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 Tata Star SBI Card and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Star SBI Card or ICICI Bank Rubyx Credit Card?
For beginners, Tata Star 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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