2 pts / ₹100
Strong data Pairwise comparison
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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.
The short answer
VerdictPick Rubyx American Express for lounge access.
Head-to-head
Three core metrics- Annual fee IndianOil RBL Bank XTRA saves ₹500/yrRubyx American Express ₹2,000 Waivable at ₹3,00,000 spendIndianOil RBL Bank XTRA ₹1,500 Waivable at ₹2,75,000 or more spend
- Forex markup Rubyx American Express 3.5%IndianOil RBL Bank XTRA 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)IndianOil RBL Bank XTRA No complimentary lounge access
Reward earning explained
Per card2 Fuel Points / ₹100 · Up to 15 Fuel Points / ₹100 on IndianOil
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 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).
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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). RBL Bank IndianOil RBL Bank XTRA conservative base value ~1% per ₹100.
All fields
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.
| Field | Rubyx American Express ICICI Bank | IndianOil RBL Bank XTRA RBL 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 Only available for Rubyx American Express | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹2,000 vs ₹1,500 | ₹2,000 | ₹1,500 |
| First-year cost Only available for IndianOil RBL Bank XTRA | Not specified | ₹1,500 |
| Annual-fee waiver ₹3,00,000 vs ₹2,75,000 or more | ₹3,00,000 | ₹2,75,000 or more |
| Interest-free period Only available for Rubyx American Express | Up to 48 days | Not specified |
| Monthly interest rate 3.75% / month vs 3.99% / month | 3.75% / month | 3.99% / month |
| Fuel benefit Only available for Rubyx American Express | 1% surcharge waiver · ₹400–₹4,000 transactions | Not specified |
| Rewards | ||
| Points per ₹100 2 pts / ₹100 vs 2 Fuel Points / ₹100 | 2 pts / ₹100 | 2 Fuel Points / ₹100 |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling Not stated vs 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend | Not stated | 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend |
| Point value (headline channel) Fuel redemption value at the pump or issuer fuel channel — not a universal cashback rate. Only available for IndianOil RBL Bank XTRA | Not specified | ₹0.5 |
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 siteRBL Bank IndianOil RBL Bank XTRA
Verify with issuer , opens external site