ICICI Emirates Skywards Rubyx Credit Card vs American Express Membership Rewards Credit Card: mid-range cards compared
ICICI Emirates Skywards Rubyx Credit Card costs ₹1,000 a year to keep; American Express Membership Rewards Credit Card costs ₹4,500. On most spends, ICICI Emirates Skywards Rubyx Credit Card returns about 1.00% and American Express Membership Rewards Credit Card about 0.66%. Lounge visits: ICICI Emirates Skywards Rubyx Credit Card gives 1 a year in India and None abroad; American Express Membership Rewards Credit Card gives None and None.
| ICICI Emirates Skywards Rubyx Credit Card | American Express Membership Rewards Credit Card | |
|---|---|---|
| Issuer | ICICI Bank | American Express |
| Network | Visa | American Express |
| Joining fee | ₹1,000 | ₹1,000 |
| Annual fee | ₹1,000 | ₹4,500 |
| Base return on spends | 1.00% | 0.66% |
| Domestic lounges | 1 a year | None |
| International lounges | None | None |
| Minimum income | ₹6,00,000 a year | ₹6,00,000 a year |
| Best for | flights, forex | online_shopping, vouchers |
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: ICICI Emirates Skywards Rubyx Credit Card · American Express Membership Rewards Credit Card · Find a card for your spending
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