Amazon Pay vs Rubyx American Express – Full comparison
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At ₹50k/month spend:
- Amazon Pay: ~₹500/month at base rate
- Rubyx American Express: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Amazon Pay ICICI | Rubyx American Express ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 2/quarter | None | 2/quarter |
| Forex / International Use | ||
| Forex markup 1.99% vs 3.5% | 1.99% | 3.5% |
| Fees | ||
| Annual fee ₹0 vs ₹2,000 | ₹0 | ₹2,000 |
| Joining fee ₹0 vs ₹3,000 | ₹0 | ₹3,000 |
| Fee waiver spend Only available for Rubyx American Express | Not clearly specified | ₹3,00,000 |
| Rewards | ||
| Points per ₹100 1 pts vs 2 pts | 1 pts | 2 pts |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.