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

ICICI Emeralde Credit Card has lower forex markup (2% vs 3.5%).

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

ICICI Bank Rubyx American Express Credit Card has a lower annual fee (₹2,000 vs ₹12,000).

Which card offers better lounge access?

ICICI Emeralde Credit Card: Unlimited domestic lounge access. ICICI Bank Rubyx American Express Credit Card: 2 per quarter 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 Compare 3+ cards →

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

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

Forex ICICI Bank Emeralde

Quick comparison

Three core metrics

Emeralde ICICI Bank

Annual fee ₹12,000 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Not specified

Rubyx American Express ICICI Bank

Annual fee ₹2,000 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Emeralde

6 pts / ₹100

Limited data

Rubyx American Express

2 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Emeralde: ₹12,000 vs ICICI Bank Rubyx American Express: ₹2,000), forex markup (2% vs 3.5%), or lounge access (Not specified vs 8/year (2 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only ICICI Bank Emeralde has comparable evidence here. Forex markup is 2%.

Emeralde: Limited data Rubyx American Express: Limited data
Forex markup ICICI Bank Emeralde wins

ICICI Bank Emeralde is better for forex

ICICI Bank Emeralde is stronger here. Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: ICICI Bank Emeralde is not safely INR-comparable (no usable point value). ICICI Bank Rubyx American Express is not safely INR-comparable (no usable point value).

Emeralde: Limited data Rubyx American Express: Limited data

ICICI Bank Emeralde

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank Rubyx American Express

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Emeralde: Base earn not clearly specified
Rubyx American Express: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Emeralde ICICI Bank	Rubyx American Express ICICI Bank
Lounge Access
Domestic lounge visits Only available for Rubyx American Express	Not specified	8/year (2 per 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 / ₹100 vs 2 pts / ₹100	6 pts / ₹100	2 pts / ₹100

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.