ICICI Bank Rubyx Credit Card vs Club Vistara SBI Card PRIME
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 CardScoreBasic
Annual Fee₹2,999
Max RewardStandard
Even Match: Both cards tie with an identical CardCheck Score of 41/100.
4-Pillar Head-to-Head Breakdown
ICICI vs ClubReward Power
35%ICICI15/35
Club15/35
Tie (15/35)
Fee Value & ROI
25%ICICI14/25
Club14/25
Tie (14/25)
Lounge & Travel
20%ICICI4/20
Club4/20
Tie (4/20)
Forex & Access
20%ICICI8/20
Club8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 41
- 41
- Rating Verdict
- Basic
- Basic
- Reward Power (35%)
- 15/35
- 15/35
- Fee Value & ROI (25%)
- 14/25
- 14/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- ICICI Bank
- SBI Card
- Network
- Visa
- —
- Card type
- —
- Co-branded
- Best for
- —
- Vistara flyers
03—Fees
- Joining fee
- ₹3,000
- ₹2,999Best
- Annual fee
- ₹3,000
- ₹2,999Best
- Fee waiver
- —
- ₹3,00,000
04—Travel & Lounge
- Priority Pass
- DreamFolks
05—Forex & Fuel
- Fuel surcharge waiver
06—Features
- Metal card
- Contactless
- UPI linked
07—Eligibility
- Invite only
Rows won
00of 02
02of 02
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 41 | 41 |
| Rating Verdict | Basic | Basic |
| Reward Power (35%) | 15/35 | 15/35 |
| Fee Value & ROI (25%) | 14/25 | 14/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | SBI Card |
| Network | Visa | — |
| Card type | — | Co-branded |
| Best for | — | Vistara flyers |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000 | ₹2,999Best |
| Annual fee | ₹3,000 | ₹2,999Best |
| Fee waiver | — | ₹3,00,000 |
04—Travel & Lounge Differences highlighted | ||
| Priority Pass | ||
| DreamFolks | ||
05—Forex & Fuel Differences highlighted | ||
| Fuel surcharge waiver | ||
06—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
07—Eligibility Differences highlighted | ||
| Invite only | ||
| Rows won | 00of 02 | 02of 02 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Rubyx Credit Card | Club Vistara SBI Card PRIME |
|---|---|---|
| CardCheck Score | 41/100Basic | 41/100Basic |
| Annual Fee | ₹3,000 | ₹2,999 |
| Fee Waiver Spend | No waiver | ₹3L/yr |
| Max Reward Potential | Standard | Standard |
| Domestic Lounge Access | Check terms | Check terms |
| International Lounge | None | None |
| 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 Club Vistara SBI Card PRIME if:
Your spending aligns with vistara flyers and you prioritize SBI Card's redemption benefits.
Frequently asked questions: ICICI Bank Rubyx Credit Card vs Club Vistara SBI Card PRIME
- Which is better: ICICI Bank Rubyx Credit Card or Club Vistara SBI Card PRIME?
- Both ICICI Bank Rubyx Credit Card and Club Vistara SBI Card PRIME tie with an identical CardCheck Score of 41/100 (Basic). Your choice should depend on specific category preferences and whether you prefer ICICI Bank's or SBI Card's merchant partnerships.
- 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, Club Vistara SBI Card PRIME 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 Club Vistara SBI Card PRIME?
- ICICI Bank Rubyx Credit Card offers a base reward rate of standard and up to accelerated on accelerated partner categories. Meanwhile, Club Vistara SBI Card PRIME 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: ICICI Bank Rubyx Credit Card or Club Vistara SBI Card PRIME?
- ICICI Bank Rubyx Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, Club Vistara SBI Card PRIME 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?
- ICICI Bank Rubyx Credit Card levies a foreign currency markup fee of 3.50%, while Club Vistara SBI Card PRIME 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).