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

Kotak Zen Signature Credit Card has a lower annual fee (₹1,500 vs ₹2,000).

Which card offers better lounge access?

ICICI Bank Rubyx American Express Credit Card: 8/year domestic lounge. Kotak Zen Signature Credit Card: 8/year 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 Add another card →

ICICI Bank Rubyx American Express vs Kotak Mahindra Bank Zen Signature Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

Rubyx American Express ICICI Bank

Annual fee ₹2,000
Forex markup 3.5%
Domestic lounge 8/year

Zen Signature Kotak Mahindra Bank

Annual fee ₹1,500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 8/year

Reward earning explained

Per card

Rubyx American Express

2 pts / ₹100 on General spend

Zen Signature

8 pts / ₹150 on General spend

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 Kotak Mahindra Bank Zen Signature: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (8/year vs 8/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Rubyx American Express: Limited data Zen Signature: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year.

Rubyx American Express: Limited data Zen Signature: Limited data
upi Tie

Both cards are similar for UPI usage

American Express network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Rubyx American Express: ~₹250/month at base rate
Kotak Zen Signature: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Rubyx American Express ICICI Bank	Zen Signature Kotak Mahindra Bank
Lounge Access
Domestic lounge visits	8/year	8/year
International lounge visits Only available for Rubyx American Express	2/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹2,000 vs ₹1,500	₹2,000	₹1,500
Joining fee ₹3,000 vs ₹1,500	₹3,000	₹1,500
Fee waiver spend Only available for Kotak Zen Signature	Not specified	₹1,50,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 8 pts/₹150	2 pts/₹100	8 pts/₹150
Point cash value Only available for Rubyx American Express	₹0.25	Not specified

Notes

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