HDFC Pine Labs Pro Credit Card vs ICICI Emirates Skywards Rubyx Credit Card: mid-range cards compared
On most spends, HDFC Pine Labs Pro Credit Card returns about 1.66% and ICICI Emirates Skywards Rubyx Credit Card about 1.00%. Lounge visits: HDFC Pine Labs Pro Credit Card gives 8 a year in India and None abroad; ICICI Emirates Skywards Rubyx Credit Card gives 1 a year and None. The income needed to apply is ₹3,00,000 a year for HDFC Pine Labs Pro Credit Card and ₹6,00,000 for ICICI Emirates Skywards Rubyx Credit Card.
| HDFC Pine Labs Pro Credit Card | ICICI Emirates Skywards Rubyx Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | ₹1,000 | ₹1,000 |
| Annual fee | ₹1,000 | ₹1,000 |
| Base return on spends | 1.66% | 1.00% |
| Domestic lounges | 8 a year | 1 a year |
| International lounges | None | None |
| Minimum income | ₹3,00,000 a year | ₹6,00,000 a year |
| Best for | pine_labs_pos, smartbuy_payzapp | flights, forex |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: HDFC Pine Labs Pro Credit Card · ICICI Emirates Skywards Rubyx Credit Card · Find a card for your spending