Thinking of taking an ICICI Credit Card to meet your shopping and travel needs of yours then you have landed on the right page. In this article, we have compared the ICICI Sapphiro credit card and ICICI Rubyx Credit Card. But first thing first, you need to identify your news and spending patterns so that you can choose the right credit card that compliments them. You can easily apply for ICICI Credit Cards online as well as offline. We have compared these two credit cards on the basis of their fees, features, and benefits. Without any further ado, keep reading to kick start your research.
ICICI Sapphiro Credit Card
This credit card is a premium credit card offered by the ICICI Bank. With the ICICI Sapphiro credit card, you get to enjoy shopping and travel benefits. Apart from these benefits, you get Rs. 500 off on the second movie/event ticket on buying a ticket from the BookMyShow. Hereunder are the detailed features and benefits of this credit card.
Joining Fee: Rs. 6,500 plus applicable taxes
Renewal Fee: Rs. 3,500 plus applicable taxes
Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 6 lakhs in the previous year.
Features and Benefits:
- With this credit card, you get exclusive travel & shopping gift vouchers worth more than Rs. 9,000 with the Visa & Mastercard variant and an additional cashback of Rs, 750 on spending Rs. 20,000 within 60 days of issuance with the AmEx variant as a welcome benefit.
- Earn 4 reward points on every Rs. 100 spent on international transactions.
- Earn 2 reward points on every Rs. 100 spent on domestic transactions.
- With MasterCard & AmEx variants the credit cardholder gets 2 complimentary domestic lounge access while with the Visa variant you get 4 complimentary domestic lounge access.
- Enjoy 2 complimentary international lounge access every year with the Dreamfolks membership.
- Get up to 4 complimentary golf rounds/lessons with this credit card every quarter.
- With this credit card, you get comprehensive insurance benefits.
- Get a 1% fuel surcharge waiver on all the fuel transactions at all petrol pumps in India.
ICICI Rubyx Credit Card
Another premium credit card but at an affordable price range. The credit cardholder gets to enjoy the shopping and travel benefits with the ICICI Rubyx Credit Card as well. On buying movie tickets from BookMyShow you get 25% off twice in a month and exclusive discounts and offers on dining under the Culinary Treats Program. Below given are the key highlights of this credit card.
Joining Fee: Rs. 3,000 plus applicable taxes
Renewal Fee: Rs. 2,000 plus applicable taxes
Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 3 lakhs in the previous year.
Features and Benefits:
- As a welcome benefit, the credit cardholder gets travel & shopping vouchers worth above Rs. 5,000.
- Earn 4 reward points on every Rs. 100 spent on international transactions and on domestic transactions you can earn 2 reward points.
- Earn 1 reward point on every Rs. 100 spent on utilities and insurance categories.
- Enjoy 2 complimentary railway lounge access per quarter.
- On spending Rs. 5,000 in the previous quarter you get 1 complimentary domestic lounge access per quarter.
- Enjoy up to 2 complimentary golf lessons/rounds each month.
- Get a comprehensive insurance cover with this credit card.
- Get a 1% fuel surcharge waiver on all fuel transactions up to Rs. 4,000 at all petrol pumps in India.
Additional Reading: Ways To Maximise The Benefits Of Credit Card