Bandhan Bank Flare Credit Card vs ICICI Bank Rubyx Credit Card
Bandhan Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Bandhan BankScoreVery Good
Annual Fee₹2,499
Max Reward2.5%
ICICI BankScoreFair
Annual Fee₹3,000
Max Reward2%
Bandhan Bank Flare Credit Card leads overall with a CardCheck Score of 72/100 (+15 pts over ICICI Bank Rubyx Credit Card).
4-Pillar Head-to-Head Breakdown
Bandhan vs ICICIReward Power
35%Bandhan24/35
ICICI24/35
Tie (24/35)
Fee Value & ROI
25%Bandhan18/25
ICICI14/25
Bandhan Wins
Lounge & Travel
20%Bandhan18/20
ICICI11/20
Bandhan Wins
Forex & Access
20%Bandhan12/20
ICICI8/20
Bandhan Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 72Best
- 57
- Rating Verdict
- Very Good
- Fair
- Reward Power (35%)
- 24/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 18/20
- 11/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- Bandhan Bank
- ICICI Bank
- Network
- Mastercard
- Visa
- Card type
- Premium
- Premium
- Best for
- Travel and dining rewards
- Rewards
03—Fees
- Joining fee
- ₹2,499Best
- ₹3,000
- Annual fee
- ₹2,499Best
- ₹3,000
- Fee waiver
- ₹6,00,000
- ₹5,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 24%Best
- 41.88%
- APR (max)
- 42%
- 41.88%Best
- Late payment fee
- ₹1,100
- —
- Cash advance fee
- 3.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.25%
- 2%Best
- Max rate
- 2.5%Best
- 2%
- Points / ₹100
- 5
- —
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 1
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 4Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹1,00,000
- ₹50,000
- Invite only
Rows won
08of 11
03of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 72Best | 57 |
| Rating Verdict | Very Good | Fair |
| Reward Power (35%) | 24/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 18/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Bandhan Bank | ICICI Bank |
| Network | Mastercard | Visa |
| Card type | Premium | Premium |
| Best for | Travel and dining rewards | Rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,499Best | ₹3,000 |
| Annual fee | ₹2,499Best | ₹3,000 |
| Fee waiver | ₹6,00,000 | ₹5,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 24%Best | 41.88% |
| APR (max) | 42% | 41.88%Best |
| Late payment fee | ₹1,100 | — |
| Cash advance fee | 3.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.25% | 2%Best |
| Max rate | 2.5%Best | 2% |
| Points / ₹100 | 5 | — |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 1 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 4Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹1,00,000 | ₹50,000 |
| Invite only | ||
| Rows won | 08of 11 | 03of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Bandhan Bank Flare Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| CardCheck Score | 72/100Very Good | 57/100Fair |
| Annual Fee | ₹2,499 | ₹3,000 |
| Fee Waiver Spend | ₹6L/yr | ₹5L/yr |
| Max Reward Potential | 2.5% | 2% |
| Domestic Lounge Access | 4 / quarter | 1 / quarter |
| International Lounge | 4 / year | None |
| Forex Markup Fee | 1.99% | 3.5% |
Choose Bandhan Bank Flare Credit Card if:
Your spending centers around travel and dining rewards and you want direct partner rewards with Bandhan Bank.
Choose ICICI Bank Rubyx Credit Card if:
Your spending aligns with rewards and you prioritize ICICI Bank's redemption benefits.
Popular Comparisons for Bandhan Bank Flare Credit Card
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Popular Comparisons for ICICI Bank Rubyx Credit Card
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Frequently asked questions: Bandhan Bank Flare Credit Card vs ICICI Bank Rubyx Credit Card
- Which is better: Bandhan Bank Flare Credit Card or ICICI Bank Rubyx Credit Card?
- Bandhan Bank Flare Credit Card holds a higher overall rating with a CardCheck Score of 72/100 (Very Good) compared to 57/100 (Fair) for ICICI Bank Rubyx Credit Card (a lead of +15 points). Bandhan Bank Flare Credit Card gains its scoring lead primarily through lounge & travel privileges (18 vs 11) and fee value & ROI (18 vs 14) while tying on reward potential.
- How do annual fees and fee waiver spend rules compare?
- Bandhan Bank Flare Credit Card charges an annual fee of ₹2,499 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 an annual spend threshold of ₹5 Lakh.
- How do the reward rates and cashback compare between Bandhan Bank Flare Credit Card and ICICI Bank Rubyx Credit Card?
- Bandhan Bank Flare Credit Card offers a base reward rate of 1.25% and up to 2.5% 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: Bandhan Bank Flare Credit Card or ICICI Bank Rubyx Credit Card?
- Bandhan Bank Flare Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 4 international lounge visits/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?
- Bandhan Bank Flare Credit Card levies a foreign currency markup fee of 1.99%, 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).