Axis Bank Select Credit Card vs ICICI Bank Rubyx Credit Card
Axis Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹3,000
Max Reward10%
ICICI BankScoreBasic
Annual Fee₹3,000
Max RewardStandard
Axis Bank Select Credit Card leads overall with a CardCheck Score of 79/100 (+38 pts over ICICI Bank Rubyx Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs ICICIReward Power
35%Axis35/35
ICICI15/35
Axis Wins
Fee Value & ROI
25%Axis18/25
ICICI14/25
Axis Wins
Lounge & Travel
20%Axis18/20
ICICI4/20
Axis Wins
Forex & Access
20%Axis8/20
ICICI8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 41
- Rating Verdict
- Very Good
- Basic
- Reward Power (35%)
- 35/35
- 15/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 18/20
- 4/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- ICICI Bank
- Network
- Mastercard
- Visa
- Card type
- Premium
- —
- Best for
- Premium rewards with international lounge access
- —
03—Fees
- Joining fee
- ₹3,000
- ₹3,000
- Annual fee
- ₹3,000
- ₹3,000
- Fee waiver
- ₹6,00,000
- —
04—Interest
- APR (min)
- 52.86%
- —
- APR (max)
- 52.86%
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- —
- Min rate
- 1%
- —
- Max rate
- 10%
- —
- Points / ₹100
- 10
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹20,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4
- —
- Intl lounge / year
- 4
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- —
- Min income / month
- ₹75,000
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
01of 01
00of 01
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 41 |
| Rating Verdict | Very Good | Basic |
| Reward Power (35%) | 35/35 | 15/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 18/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | ICICI Bank |
| Network | Mastercard | Visa |
| Card type | Premium | — |
| Best for | Premium rewards with international lounge access | — |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000 | ₹3,000 |
| Annual fee | ₹3,000 | ₹3,000 |
| Fee waiver | ₹6,00,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | — |
| APR (max) | 52.86% | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | — |
| Min rate | 1% | — |
| Max rate | 10% | — |
| Points / ₹100 | 10 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹20,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4 | — |
| Intl lounge / year | 4 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | — |
| Min income / month | ₹75,000 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 01of 01 | 00of 01 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Select Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 41/100Basic |
| Annual Fee | ₹3,000 | ₹3,000 |
| Fee Waiver Spend | ₹6L/yr | No waiver |
| Max Reward Potential | 10% | Standard |
| Domestic Lounge Access | 4 / quarter | Check terms |
| International Lounge | 4 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank Select Credit Card if:
Your spending centers around premium rewards with international lounge access and you want direct partner rewards with Axis Bank.
Choose ICICI Bank Rubyx Credit Card if:
You prioritize ICICI Bank's features, reward redemption catalog, and fee terms.
Frequently asked questions: Axis Bank Select Credit Card vs ICICI Bank Rubyx Credit Card
- Which is better: Axis Bank Select Credit Card or ICICI Bank Rubyx Credit Card?
- Axis Bank Select Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 41/100 (Basic) for ICICI Bank Rubyx Credit Card (a lead of +38 points). Axis Bank Select Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Select Credit Card charges an annual fee of ₹3,000 with an annual spend threshold of ₹6 Lakh for renewal fee waiver. In comparison, ICICI Bank Rubyx Credit Card charges an annual fee of ₹3,000 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Axis Bank Select Credit Card and ICICI Bank Rubyx Credit Card?
- Axis Bank Select Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, ICICI Bank Rubyx Credit Card offers a base rate of standard and up to accelerated on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Select Credit Card or ICICI Bank Rubyx Credit Card?
- Axis Bank Select Credit Card provides 4 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. On the other hand, ICICI Bank Rubyx Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank Select Credit Card levies a foreign currency markup fee of 3.5%, while ICICI Bank Rubyx Credit Card charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).