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

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

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

ICICI Bank Rubyx American Express Credit Card has a lower annual fee (₹2,000 vs ₹2,999).

Which card offers better lounge access?

ICICI Bank Rubyx American Express Credit Card: 2 per quarter domestic lounge. IndusInd Bank EazyDiner Credit Card: No complimentary lounge access.

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 Rubyx American Express vs IndusInd Bank EazyDiner Credit Cards – Fees, Lounge, Forex

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

Lounge ICICI Bank Rubyx American Express

Quick comparison

Three core metrics

Rubyx American Express ICICI Bank

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

EazyDiner IndusInd Bank

Annual fee ₹2,999
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Rubyx American Express

4 pts / ₹100 on General spend

Limited data

EazyDiner

10 pts / ₹100 on Travel Hotel Shopping Entertainment + 4 pts / ₹100 on General…

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Rubyx American Express: ₹2,000 vs IndusInd Bank EazyDiner: ₹2,999), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access ICICI Bank Rubyx American Express wins

ICICI Bank Rubyx American Express is better for lounge access

ICICI Bank Rubyx American Express is stronger here. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank Rubyx American Express has comparable evidence here. Estimated base reward value is ~1% on base spend.

Rubyx American Express: Limited data EazyDiner: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IndusInd Bank EazyDiner: ~₹200/month at base rate
Rubyx American Express: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Rubyx American Express ICICI Bank	EazyDiner IndusInd Bank
Lounge Access
Domestic lounge visits 2/quarter vs No complimentary lounge access	2/quarter	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹2,000 vs ₹2,999	₹2,000	₹2,999
Joining fee ₹3,000 vs ₹2,999	₹3,000	₹2,999
Fee waiver spend Only available for Rubyx American Express	₹3,00,000	Not specified
Interest-free period Only available for Rubyx American Express	Up to 48 days	Not specified
Rewards
Points per ₹100	4 pts	4 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IndusInd Bank EazyDiner	Not specified	₹0.1

Notes

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