2 pts / ₹100
Strong data Pairwise comparison
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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.
The short answer
VerdictPick Rubyx American Express for lounge access.
Head-to-head
Three core metrics- Annual fee Rubyx American Express saves ₹999/yrRubyx American Express ₹2,000 Waivable at ₹3,00,000 spendEazyDiner ₹2,999 Annual-fee waiver not offered
- Forex markup Rubyx American Express 3.5%EazyDiner 3.5%
- Domestic lounge Rubyx American Express: +8 lounge visits/yrRubyx American Express 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)EazyDiner No complimentary lounge access
Reward earning explained
Per card4 pts / ₹100 · Up to 10 pts / ₹100 on Travel Hotel Shopping Entertainment
Strong dataPick based on what matters
3 dimensionsStart 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 (8/year (2 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: ICICI Bank Rubyx American Express is not safely INR-comparable (no usable point value). IndusInd Bank EazyDiner conservative base value ~0.4% per ₹100.
All fields
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.
| Field | Rubyx American Express ICICI Bank | EazyDiner IndusInd Bank |
|---|---|---|
| Insurance — Air accident cover Only available for Rubyx American Express | ₹1 crore | Not specified |
| Insurance — Lost card liability cover Only available for Rubyx American Express | ₹50,000 | Not specified |
| Insurance — Underwriter Only available for Rubyx American Express | Insured by ICICI Lombard General Insurance Company Limited | Not specified |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs No complimentary lounge access | 8/year (2 per quarter) | No complimentary lounge access |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹2,000 vs ₹2,999 | ₹2,000 | ₹2,999 |
| Annual-fee waiver ₹3,00,000 vs Not offered | ₹3,00,000 | Not offered |
| Interest-free period Only available for Rubyx American Express | Up to 48 days | Not specified |
| Monthly interest rate 3.75% / month vs 3.83% / month | 3.75% / month | 3.83% / month |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions vs 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 2 pts / ₹100 vs 4 pts / ₹100 | 2 pts / ₹100 | 4 pts / ₹100 |
| Conservative base value Not safely INR-comparable vs ~0.4% | Not safely INR-comparable | ~0.4% |
| Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment | Not stated | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment |
| 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
- ICICI Bank Rubyx American Express Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
ICICI Bank Rubyx American Express
Verify with issuer , opens external siteIndusInd Bank EazyDiner
Verify with issuer , opens external site