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

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

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

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: 8/year domestic lounge. SBI Card Prime: 8/year domestic lounge (2 per quarter).

Which card has a higher base reward rate?

Both cards have similar base reward value (~0.5%).

Pairwise comparison Add another card →

ICICI Bank Rubyx American Express vs SBI Card Prime Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Rubyx American Express and the SBI Card Prime. 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

Prime SBI Card

Annual fee ₹2,999 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

Reward earning explained

Per card

Rubyx American Express

2 pts / ₹100 on General spend

Prime

2 pts / ₹100 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 SBI Card Prime: ₹2,999), forex markup (3.5% vs 3.5%), or lounge access (8/year vs 8/year (2 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Rubyx American Express: Limited data Prime: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 8/year (2 per quarter).

Rubyx American Express: Limited data Prime: 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
SBI Prime: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Rubyx American Express ICICI Bank	Prime SBI Card
Lounge Access
Domestic lounge visits 8/year vs 8/year (2 per quarter)	8/year	8/year (2 per quarter)
International lounge visits 2/year vs 1/year	2/year	1/year
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 SBI Prime	Not specified	₹3,00,000
Rewards
Points per ₹100	2 pts	2 pts
Point cash value	₹0.25	₹0.25

Notes

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