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

IndianOil RBL Bank XTRA 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: 2 per quarter domestic lounge. IndianOil RBL Bank XTRA 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 RBL Bank IndianOil RBL Bank XTRA Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Rubyx American Express and the RBL Bank IndianOil RBL Bank XTRA. 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 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter

IndianOil RBL Bank XTRA RBL Bank

Annual fee ₹1,500 Waivable at ₹2,75,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Rubyx American Express

2 pts / ₹100

Limited data

IndianOil RBL Bank XTRA

1% · Up to 15 Fuel Points / ₹100 on IndianOil

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 RBL Bank IndianOil RBL Bank XTRA: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per 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

Available evidence is incomplete: ICICI Bank Rubyx American Express is not safely INR-comparable (no usable point value). RBL Bank IndianOil RBL Bank XTRA conservative base value ~1% per ₹100.

Rubyx American Express: Limited data IndianOil RBL Bank XTRA: Limited data

ICICI Bank Rubyx American Express

Confidence: Low (limited information available)

Verify with issuer

RBL Bank IndianOil RBL Bank XTRA

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IndianOil RBL Bank XTRA: ~₹500/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	IndianOil RBL Bank XTRA RBL Bank
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs No complimentary lounge access	8/year (2 per quarter)	No complimentary lounge access
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 ₹3,00,000 vs ₹2,75,000	₹3,00,000	₹2,75,000
Interest-free period Only available for Rubyx American Express	Up to 48 days	Not specified
Rewards
Base earn 2 pts / ₹100 vs 1%	2 pts / ₹100	1%
Conservative base value Not safely INR-comparable vs ~1%	Not safely INR-comparable	~1%

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.