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: 2 per quarter domestic lounge. SBI Card Prime: 2 per quarter domestic + 4 per year international.

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 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 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

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

Limited data

Prime

2 pts / ₹100 · Up to 10 pts / ₹100 on Departmental Stores

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

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

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). SBI Card Prime is not safely INR-comparable (no usable point value).

Rubyx American Express: Limited data Prime: Limited data

ICICI Bank Rubyx American Express

Confidence: Low (limited information available)

Verify with issuer

SBI Card Prime

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Rubyx American Express: Base earn not clearly specified
SBI Prime: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Rubyx American Express ICICI Bank	Prime SBI Card
Lounge Access
Domestic lounge visits	8/year (2 per quarter)	8/year (2 per quarter)
International lounge visits Only available for SBI Prime	Not specified	4/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	₹3,00,000	₹3,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Points per ₹100 Some reward lanes are unsupported — base rate only for comparison.	2 pts / ₹100	2 pts / ₹100

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.