BOBCARD Eterna Credit Card vs ICICI Bank Rubyx Credit Card
BOBCARD · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
BOBCARDScoreExcellent
Annual Fee₹2,499
Max Reward10%
ICICI BankScoreBasic
Annual Fee₹3,000
Max RewardStandard
BOBCARD Eterna Credit Card leads overall with a CardCheck Score of 83/100 (+42 pts over ICICI Bank Rubyx Credit Card).
4-Pillar Head-to-Head Breakdown
BOBCARD vs ICICIReward Power
35%BOBCARD35/35
ICICI15/35
BOBCARD Wins
Fee Value & ROI
25%BOBCARD18/25
ICICI14/25
BOBCARD Wins
Lounge & Travel
20%BOBCARD18/20
ICICI4/20
BOBCARD Wins
Forex & Access
20%BOBCARD12/20
ICICI8/20
BOBCARD Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 83Best
- 41
- Rating Verdict
- Excellent
- 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%)
- 12/20
- 8/20
02—Basic Info
- Bank
- BOBCARD
- ICICI Bank
- Network
- Visa
- Visa
- Card type
- Premium
- —
- Best for
- BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge
- —
03—Fees
- Joining fee
- ₹1,000Best
- ₹3,000
- Annual fee
- ₹2,499Best
- ₹3,000
- Fee waiver
- ₹2,00,000
- —
04—Interest
- APR (min)
- 42%
- —
- APR (max)
- 42%
- —
- Late payment fee
- ₹1,300
- —
05—Rewards
- Reward type
- points
- —
- Min rate
- 1.25%
- —
- Max rate
- 10%
- —
- Points / ₹100
- 15
- —
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 99
- —
- Intl lounge / year
- 4
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- —
- Min income / month
- ₹75,000
- —
- Min CIBIL
- 740
- —
- Invite only
Rows won
03of 03
00of 03
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 83Best | 41 |
| Rating Verdict | Excellent | 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%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | BOBCARD | ICICI Bank |
| Network | Visa | Visa |
| Card type | Premium | — |
| Best for | BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge | — |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹3,000 |
| Annual fee | ₹2,499Best | ₹3,000 |
| Fee waiver | ₹2,00,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | — |
| APR (max) | 42% | — |
| Late payment fee | ₹1,300 | — |
05—Rewards Differences highlighted | ||
| Reward type | points | — |
| Min rate | 1.25% | — |
| Max rate | 10% | — |
| Points / ₹100 | 15 | — |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 99 | — |
| Intl lounge / year | 4 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | — |
| Min income / month | ₹75,000 | — |
| Min CIBIL | 740 | — |
| Invite only | ||
| Rows won | 03of 03 | 00of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | BOBCARD Eterna Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| CardCheck Score | 83/100Excellent | 41/100Basic |
| Annual Fee | ₹2,499 | ₹3,000 |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 10% | Standard |
| Domestic Lounge Access | 99 / quarter | Check terms |
| International Lounge | 4 / year | None |
| Forex Markup Fee | 2% | 3.5% |
Choose BOBCARD Eterna Credit Card if:
Your spending centers around bob's flagship — 10 rp per ₹100 on intl/dining, unlimited domestic lounge and you want direct partner rewards with BOBCARD.
Choose ICICI Bank Rubyx Credit Card if:
You prioritize ICICI Bank's features, reward redemption catalog, and fee terms.
Frequently asked questions: BOBCARD Eterna Credit Card vs ICICI Bank Rubyx Credit Card
- Which is better: BOBCARD Eterna Credit Card or ICICI Bank Rubyx Credit Card?
- BOBCARD Eterna Credit Card holds a higher overall rating with a CardCheck Score of 83/100 (Excellent) compared to 41/100 (Basic) for ICICI Bank Rubyx Credit Card (a lead of +42 points). BOBCARD Eterna Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- BOBCARD Eterna Credit Card charges an annual fee of ₹2,499 with an annual spend threshold of ₹2 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 BOBCARD Eterna Credit Card and ICICI Bank Rubyx Credit Card?
- BOBCARD Eterna Credit Card offers a base reward rate of 1.25% 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: BOBCARD Eterna Credit Card or ICICI Bank Rubyx Credit Card?
- BOBCARD Eterna Credit Card provides 99 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?
- BOBCARD Eterna Credit Card levies a foreign currency markup fee of 2%, 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).