ICICI Bank Rubyx Credit Card vs Titan SBI Credit Card
ICICI Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreBasic
Annual Fee₹3,000
Max RewardStandard
SBI CardScoreVery Good
Annual Fee₹2,999
Max Reward7.5%
Titan SBI 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
ICICI vs TitanReward Power
35%ICICI15/35
Titan35/35
Titan Wins
Fee Value & ROI
25%ICICI14/25
Titan18/25
Titan Wins
Lounge & Travel
20%ICICI4/20
Titan18/20
Titan Wins
Forex & Access
20%ICICI8/20
Titan8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 41
- 79Best
- Rating Verdict
- Basic
- Very Good
- Reward Power (35%)
- 15/35
- 35/35
- Fee Value & ROI (25%)
- 14/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- ICICI Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- —
- Co-branded
- Best for
- —
- Titan loyalists — 7.5% on Tanishq, Titan, Mia + lounge access
03—Fees
- Joining fee
- ₹3,000
- ₹2,999Best
- Annual fee
- ₹3,000
- ₹2,999Best
- Fee waiver
- —
- ₹3,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- —
- 42%
- APR (max)
- —
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- —
- cashback
- Min rate
- —
- 2%
- Max rate
- —
- 7.5%
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 2
- 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
- —
- 21
- Min income / month
- —
- ₹60,000
- Min CIBIL
- —
- 720
- Invite only
Rows won
00of 03
03of 03
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 41 | 79Best |
| Rating Verdict | Basic | Very Good |
| Reward Power (35%) | 15/35 | 35/35 |
| Fee Value & ROI (25%) | 14/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | SBI Card |
| Network | Visa | Visa |
| Card type | — | Co-branded |
| Best for | — | Titan loyalists — 7.5% on Tanishq, Titan, Mia + lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000 | ₹2,999Best |
| Annual fee | ₹3,000 | ₹2,999Best |
| Fee waiver | — | ₹3,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | — | 42% |
| APR (max) | — | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | — | cashback |
| Min rate | — | 2% |
| Max rate | — | 7.5% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 2 |
| 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 | — | 21 |
| Min income / month | — | ₹60,000 |
| Min CIBIL | — | 720 |
| Invite only | ||
| Rows won | 00of 03 | 03of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Rubyx Credit Card | Titan SBI Credit Card |
|---|---|---|
| CardCheck Score | 41/100Basic | 79/100Very Good |
| Annual Fee | ₹3,000 | ₹2,999 |
| Fee Waiver Spend | No waiver | ₹3L/yr |
| Max Reward Potential | Standard | 7.5% |
| Domestic Lounge Access | Check terms | 2 / quarter |
| International Lounge | None | 4 / year |
| Forex Markup Fee | 3.5% | 3.5% |
Choose ICICI Bank Rubyx Credit Card if:
You seek strong reward rates on ICICI Bank's core ecosystem with an annual fee of ₹3,000.
Choose Titan SBI Credit Card if:
Your spending aligns with titan loyalists — 7.5% on tanishq, titan, mia + lounge access and you prioritize SBI Card's redemption benefits.
Frequently asked questions: ICICI Bank Rubyx Credit Card vs Titan SBI Credit Card
- Which is better: ICICI Bank Rubyx Credit Card or Titan SBI Credit Card?
- Titan SBI 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). Titan SBI Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- ICICI Bank Rubyx Credit Card charges an annual fee of ₹3,000 with no official annual spend waiver milestone for renewal fee waiver. In comparison, Titan SBI Credit Card charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between ICICI Bank Rubyx Credit Card and Titan SBI Credit Card?
- ICICI Bank Rubyx Credit Card offers a base reward rate of standard and up to accelerated on accelerated partner categories. Meanwhile, Titan SBI Credit Card offers a base rate of 2% and up to 7.5% 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 Titan SBI Credit Card?
- ICICI Bank Rubyx Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, Titan SBI Credit Card provides 2 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. 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?
- ICICI Bank Rubyx Credit Card levies a foreign currency markup fee of 3.50%, while Titan SBI 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).