ICICI Bank Rubyx Credit Card vs IndusInd Bank Tiger Credit Card
ICICI Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreFair
Annual Fee₹3,000
Max Reward2%
IndusInd BankScoreElite
Annual FeeFree
Max Reward6%
IndusInd Bank Tiger Credit Card leads overall with a CardCheck Score of 91/100 (+34 pts over ICICI Bank Rubyx Credit Card).
4-Pillar Head-to-Head Breakdown
ICICI vs IndusIndReward Power
35%ICICI24/35
IndusInd34/35
IndusInd Wins
Fee Value & ROI
25%ICICI14/25
IndusInd25/25
IndusInd Wins
Lounge & Travel
20%ICICI11/20
IndusInd18/20
IndusInd Wins
Forex & Access
20%ICICI8/20
IndusInd14/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 57
- 91Best
- Rating Verdict
- Fair
- Elite
- Reward Power (35%)
- 24/35
- 34/35
- Fee Value & ROI (25%)
- 14/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 18/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- ICICI Bank
- IndusInd Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Co-branded
- Best for
- Rewards
- Sports & dining enthusiasts — accelerated rewards on fitness, dining, movies
03—Fees
- Joining fee
- ₹3,000
- FreeBest
- Annual fee
- ₹3,000
- FreeBest
- Fee waiver
- ₹5,00,000
- FreeBest
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 41.88%Best
- 42%
- APR (max)
- 41.88%Best
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 2%Best
- 1%
- Max rate
- 2%
- 6%Best
- Points / ₹100
- —
- 6
- Point value
- ₹0.25
- ₹0.4
- Monthly cap
- —
- ₹5,000
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 2Best
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 0
- 2Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.5%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- —
- 21
- Min income / month
- ₹50,000
- ₹25,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
03of 11
08of 11
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 57 | 91Best |
| Rating Verdict | Fair | Elite |
| Reward Power (35%) | 24/35 | 34/35 |
| Fee Value & ROI (25%) | 14/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | IndusInd Bank |
| Network | Visa | Visa |
| Card type | Premium | Co-branded |
| Best for | Rewards | Sports & dining enthusiasts — accelerated rewards on fitness, dining, movies |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000 | FreeBest |
| Annual fee | ₹3,000 | FreeBest |
| Fee waiver | ₹5,00,000 | FreeBest |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 41.88%Best | 42% |
| APR (max) | 41.88%Best | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 2%Best | 1% |
| Max rate | 2% | 6%Best |
| Points / ₹100 | — | 6 |
| Point value | ₹0.25 | ₹0.4 |
| Monthly cap | — | ₹5,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 2Best |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 0 | 2Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.5%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | — | 21 |
| Min income / month | ₹50,000 | ₹25,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 03of 11 | 08of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Rubyx Credit Card | IndusInd Bank Tiger Credit Card |
|---|---|---|
| CardCheck Score | 57/100Fair | 91/100Elite |
| Annual Fee | ₹3,000 | Free (₹0) |
| Fee Waiver Spend | ₹5L/yr | No waiver |
| Max Reward Potential | 2% | 6% |
| Domestic Lounge Access | 1 / quarter | 2 / quarter |
| International Lounge | None | 2 / year |
| Forex Markup Fee | 3.5% | 1.5% |
Choose ICICI Bank Rubyx Credit Card if:
Your spending centers around rewards and you want direct partner rewards with ICICI Bank.
Choose IndusInd Bank Tiger Credit Card if:
Your spending aligns with sports & dining enthusiasts — accelerated rewards on fitness, dining, movies and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: ICICI Bank Rubyx Credit Card vs IndusInd Bank Tiger Credit Card
- Which is better: ICICI Bank Rubyx Credit Card or IndusInd Bank Tiger Credit Card?
- IndusInd Bank Tiger Credit Card holds a higher overall rating with a CardCheck Score of 91/100 (Elite) compared to 57/100 (Fair) for ICICI Bank Rubyx Credit Card (a lead of +34 points). IndusInd Bank Tiger 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?
- ICICI Bank Rubyx Credit Card charges an annual fee of ₹3,000 with an annual spend threshold of ₹5 Lakh for renewal fee waiver. In comparison, IndusInd Bank Tiger Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between ICICI Bank Rubyx Credit Card and IndusInd Bank Tiger Credit Card?
- ICICI Bank Rubyx Credit Card offers a base reward rate of 2% and up to 2% on accelerated partner categories. Meanwhile, IndusInd Bank Tiger Credit Card offers a base rate of 1% and up to 6% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ICICI Bank Rubyx Credit Card or IndusInd Bank Tiger Credit Card?
- ICICI Bank Rubyx Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). On the other hand, IndusInd Bank Tiger Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 2 international lounge visits/year with Priority Pass.
- Which card is better for international foreign currency spends?
- ICICI Bank Rubyx Credit Card levies a foreign currency markup fee of 3.5%, while IndusInd Bank Tiger Credit Card charges 1.5%. 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).