Which card has a lower forex fee: Axis Bank Privilege Credit Card or ICICI Bank Rubyx American Express Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank Privilege Credit Card or ICICI Bank Rubyx American Express Credit Card?

Axis Bank Privilege Credit Card has a lower annual fee (₹1,500 vs ₹2,000).

Which card offers better lounge access?

Axis Bank Privilege Credit Card: 8/year domestic lounge. ICICI Bank Rubyx American Express Credit Card: 8/year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

Axis Bank Privilege vs ICICI Bank Rubyx American Express Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Privilege and the ICICI Bank Rubyx American Express. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Privilege Axis Bank

Annual fee ₹1,500 Waivable at ₹5,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year

Rubyx American Express ICICI Bank

Annual fee ₹2,000
Forex markup 3.5%
Domestic lounge 8/year

Reward earning explained

Per card

Privilege

Base rewards on regular spend

Rubyx American Express

2 pts / ₹100 on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs ICICI Bank Rubyx American Express: ₹2,000), forex markup (3.5% vs 3.5%), or lounge access (8/year vs 8/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Privilege: Limited data Rubyx American Express: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year.

Privilege: Limited data Rubyx American Express: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. American Express network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Rubyx American Express: ~₹250/month at base rate
Privilege: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Privilege Axis Bank	Rubyx American Express ICICI Bank
Lounge Access
Domestic lounge visits	8/year	8/year
International lounge visits Only available for Rubyx American Express	Not specified	2/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,500 vs ₹2,000	₹1,500	₹2,000
Joining fee ₹1,500 vs ₹3,000	₹1,500	₹3,000
Fee waiver spend Only available for Privilege	₹5,00,000	Not specified
Rewards
Points per ₹100 Only available for Rubyx American Express	Not specified	2 pts
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.