ICICI Sapphiro Credit Card vs ICICI Rubyx Credit Card
Last Updated : March 21, 2025, 5:17 p.m.
The ICICI Sapphiro Credit Card and the ICICI Rubyx Credit Card have their unique features and benefits. So, to choose one amongst them, identify your spending patterns, so that you can choose the right credit card that compliments your lifestyle. Let us now compare both these cards on the basis of their fees, features, and benefits.
Comparison of ICICI Sapphiro and ICICI Rubyx Credit Card
The ICICI Sapphiro credit card belongs to the premium category and provides benefits across travel, shopping, entertainment, dining, and golf. The ICICI Rubyx credit card is yet another credit card using which the cardholder can enjoy premium benefits at an affordable price. The card also provides perks across various categories such as shopping, travel, and entertainment. The table below shows a comparison of their primary features.
| Parameter | ICICI Sapphiro Credit Card | ICICI Rubyx Credit Card |
|---|---|---|
Joining fee |
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Renewal fee |
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Spend based waiver |
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Welcome benefits |
| Travel and shopping vouchers worth Rs. 5000 plus within 45 days of paying the joining fee
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Reward points | Reward points per Rs. 100 spent
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Lounge access |
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Movie benefits |
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Fuel benefits |
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Golf benefits |
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ICICI Sapphiro Credit Card vs ICICI Rubyx Credit Card - Which Card to Choose?
Both the ICICI Bank Sapphiro credit card and ICICI Rubyx offer almost similar types of benefits. So, choosing one amongst them depends on your personal preferences and requirements. You can choose the ICICI Bank Sapphiro credit card if you take up frequent domestic and international trips. It is a most suitable choice for those who frequently utilize airport lounge access. If you enjoy a premium lifestyle and love to spend a lot, then you can go in for this card as you get an annual fee waiver on spends of Rs. 6 lakhs. Also, the card is a good option if you frequently want to use certain brands such as EaseMyTrip. Uber, Zomato, Chroma, and TataCliQ. The card offers good travel perks, exclusive discounts, and good rewards. If you are looking for a credit card with all round benefits, then you can go in for the ICICI Rubyx credit card. In addition to benefits on high volume spends, travel, and lounge access, the card offers greater benefits on movies, golf, and double rewards on international transactions. However, both cards are not ideal if you are focused on getting high reward rates. Before applying for a credit card, check your CIBIL score for free on Wishfin and also view your detailed CIBIL report.
Conclusion
You have seen the comparison of ICICI Sapphiro Credit Card vs ICICI Rubyx Credit Card and now it will be easy for you to choose one of the ICICI Bank Credit Cards . On the other hand, these credit cards will help you to save some extra bucks because of great deals and you can also enjoy some lifestyle benefits on these cards. So, the ball is in your court and you will have to make the final decision.
Frequently Asked Questions (FAQs)
