Axis Bank Vistara 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₹1,500
Max Reward6%
ICICI BankScoreFair
Annual Fee₹3,000
Max Reward2%
Axis Bank Vistara Credit Card leads overall with a CardCheck Score of 71/100 (+14 pts over ICICI Bank Rubyx Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs ICICIReward Power
35%Axis34/35
ICICI24/35
Axis Wins
Fee Value & ROI
25%Axis18/25
ICICI14/25
Axis Wins
Lounge & Travel
20%Axis11/20
ICICI11/20
Tie (11/20)
Forex & Access
20%Axis8/20
ICICI8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 71Best
- 57
- Rating Verdict
- Very Good
- Fair
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- ICICI Bank
- Network
- Visa
- Visa
- Card type
- Co-branded
- Premium
- Best for
- Flights & Travel
- Rewards
03—Fees
- Joining fee
- ₹1,000Best
- ₹3,000
- Annual fee
- ₹1,500Best
- ₹3,000
- Fee waiver
- —
- ₹5,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%
- 41.88%Best
- APR (max)
- 42%
- 41.88%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 2%Best
- Max rate
- 6%Best
- 2%
- Points / ₹100
- 1
- —
- Point value
- ₹0.75
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- ₹50,000
- Invite only
Rows won
04of 07
03of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 71Best | 57 |
| Rating Verdict | Very Good | Fair |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | ICICI Bank |
| Network | Visa | Visa |
| Card type | Co-branded | Premium |
| Best for | Flights & Travel | Rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹3,000 |
| Annual fee | ₹1,500Best | ₹3,000 |
| Fee waiver | — | ₹5,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 41.88%Best |
| APR (max) | 42% | 41.88%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 2%Best |
| Max rate | 6%Best | 2% |
| Points / ₹100 | 1 | — |
| Point value | ₹0.75 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | ₹50,000 |
| Invite only | ||
| Rows won | 04of 07 | 03of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Vistara Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| CardCheck Score | 71/100Very Good | 57/100Fair |
| Annual Fee | ₹1,500 | ₹3,000 |
| Fee Waiver Spend | No waiver | ₹5L/yr |
| Max Reward Potential | 6% | 2% |
| Domestic Lounge Access | 1 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank Vistara Credit Card if:
Your spending centers around flights & travel and you want direct partner rewards with Axis Bank.
Choose ICICI Bank Rubyx Credit Card if:
Your spending aligns with rewards and you prioritize ICICI Bank's redemption benefits.
Popular Comparisons for Axis Bank Vistara Credit Card
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Frequently asked questions: Axis Bank Vistara Credit Card vs ICICI Bank Rubyx Credit Card
- Which is better: Axis Bank Vistara Credit Card or ICICI Bank Rubyx Credit Card?
- Axis Bank Vistara Credit Card holds a higher overall rating with a CardCheck Score of 71/100 (Very Good) compared to 57/100 (Fair) for ICICI Bank Rubyx Credit Card (a lead of +14 points). Axis Bank Vistara Credit Card gains its scoring lead primarily through reward potential (34 vs 24) and fee value & ROI (18 vs 14) while tying on lounge & travel privileges and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Vistara Credit Card charges an annual fee of ₹1,500 with no official annual spend waiver milestone for renewal fee waiver. In comparison, ICICI Bank Rubyx Credit Card charges an annual fee of ₹3,000 with an annual spend threshold of ₹5 Lakh.
- How do the reward rates and cashback compare between Axis Bank Vistara Credit Card and ICICI Bank Rubyx Credit Card?
- Axis Bank Vistara Credit Card offers a base reward rate of 1% and up to 6% on accelerated partner categories. Meanwhile, ICICI Bank Rubyx Credit Card offers a base rate of 2% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Vistara Credit Card or ICICI Bank Rubyx Credit Card?
- Axis Bank Vistara Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). On the other hand, ICICI Bank Rubyx Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- Axis Bank Vistara Credit Card levies a foreign currency markup fee of 3.5%, while ICICI Bank Rubyx Credit Card charges 3.5%. 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).