SBI Club Vistara Credit Card vs ICICI Emirates Skywards Rubyx Credit Card: mid-range cards compared
SBI Club Vistara Credit Card costs ₹1,499 a year to keep; ICICI Emirates Skywards Rubyx Credit Card costs ₹1,000. On most spends, SBI Club Vistara Credit Card returns about 1.50% and ICICI Emirates Skywards Rubyx Credit Card about 1.00%. The income needed to apply is ₹2,40,000 a year for SBI Club Vistara Credit Card and ₹6,00,000 for ICICI Emirates Skywards Rubyx Credit Card.
| SBI Club Vistara Credit Card | ICICI Emirates Skywards Rubyx Credit Card | |
|---|---|---|
| Issuer | SBI Card | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | ₹1,499 | ₹1,000 |
| Annual fee | ₹1,499 | ₹1,000 |
| Base return on spends | 1.50% | 1.00% |
| Domestic lounges | 4 a year | 1 a year |
| International lounges | Not stated | None |
| Minimum income | ₹2,40,000 a year | ₹6,00,000 a year |
| Best for | travel | 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: SBI Club Vistara Credit Card · ICICI Emirates Skywards Rubyx Credit Card · Find a card for your spending