Add more cards → Shortlist 2–4 cards
Emeralde vs Rubyx American Express – Full comparison
Both cards verified with issuer
Emeralde source Rubyx American Express sourceForex costs are a key difference
Key differences
Best forex Emeralde 2%
Lowest fee Rubyx American Express ₹2,000
Best lounge Emeralde Unlimited lounge
Spend context
At ₹50k/month spend:
- Emeralde: ~₹750/month at base rate
- Rubyx American Express: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Emeralde ICICI | Rubyx American Express ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Unlimited vs 2/quarter | Unlimited | 2/quarter |
| Forex / International Use | ||
| Forex markup 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Annual fee ₹12,000 vs ₹2,000 | ₹12,000 | ₹2,000 |
| Joining fee ₹12,000 vs ₹3,000 | ₹12,000 | ₹3,000 |
| Fee waiver spend ₹10,00,000 vs ₹3,00,000 | ₹10,00,000 | ₹3,00,000 |
| Rewards | ||
| Points per ₹100 6 pts vs 2 pts | 6 pts | 2 pts |
| Point cash value No difference | ₹0.25 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- Emeralde vs Times Black ICICI Bank ICICI vs ICICI
- Emeralde vs Sapphiro ICICI vs ICICI
- Emeralde vs Coral ICICI vs ICICI
- Rubyx American Express vs Coral ICICI vs ICICI
- Rubyx American Express vs HPCL Super Saver ICICI vs ICICI
- Rubyx American Express vs Sapphiro ICICI vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.