Axis Bank Horizon Credit Card vs InterMiles ICICI Rubyx Credit Card

• Welcome Benefits include getting 5000 EDGE Reward Miles on the first transaction greater than or equal to Rs. 1000 within 30 days of card issuance date
• Get 1500 EDGE Miles worth Rs. 1,500 on completion of anniversary year
• Get 5 EDGE Miles on every Rs. 100 spent on the Axis Bank Travel EDGE portal and direct airline websits
• Get 2 EDGE Miles per Rs. 100 on all other spends
• 2 International airport lounges access per calender quarter
• 8 Complimentary domestic airport lounge visits per calendar quarter (VISA) and 6 complimentary visists per calendar quarter (Mastercard)
• 1% surcharge waiver for fuel transaction between Rs. 400 to Rs. 5,000. Do note GST charged on fuel surcharge is non-refundable
• Lost card liability cover of Rs. 10 Lakh
• Enjoy exceotional dining experiences at to resturants acree India with Axis Bank Dining Delights Program
• Wednesday Delight- Enjoy exciting offers every Wednesday:

A. Instant savings of up to 15% on flights and hotels via MakeMyTrip

B. 10% off on orders via Swiggy

C. 10% off up to Rs. 1,000 on Tira

• Welcome aboard with membership to the InterMiles program and get bonus of 5,000 InterMiles. Upon joining, you'll also receive a complimentary discount code worth Rs. 500 within 45 working days, post payment of your Joining Fee
• Every year on renewal, get 2,500 renewal bonus InterMiles and a complimentary discount code worth Rs. 250
• Earn up to 8 InterMiles per Rs. 100 spent
• Accumulate a maximum of 40,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of Rs. 7,500 will be levied to your Credit Card account
• Avail 5% discount on Economy Class tickets booked on Etihad Airways
• Redemption Miles Back on international flights: 25%
• BookMyShow and Inox Offer: Avail 25% discount capped up to Rs. 150 on purchase of minimum two tickets per transaction. This benefit can be availed twice in a month (once each on American Express and on Visa variant) on BookMyShow and Inox individually
• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• Get 1% fuel surcharge on fuel transactions of up to Rs. 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines
• American Express Connect provides a wide range of special offers in various categories like Travel, Lodging, Dining, Retail and Online Shopping
• American Express ezeClick is a faster, smarter and secure online payment solution. It replaces the requirement of inserting the Credit Card details every time you shop online with just a single User ID  
• American Express® Privileges: Obtain complimentary access to selected lounges at airports in India- 2 complimentary airport lounge access per quarter (1 each on American Express and/or Visa variant) on the InterMiles ICICI Bank Rubyx Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter.
• VISA Lounge Access Privileges: Complimentary access to Airport Lounges in India- 2 complimentary airport lounge access per quarter (1 each on American Express and/or Visa variant) on the InterMiles ICICI Bank Rubyx Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter

Pros

• High number of complimentary airport lounge visits
• Welcome benefit surpass the joining fee
• Accelerated rewards on travel bookings also include spends at direct airline websites/counters

Cons

• No annual fee waiver option
• No Golf benefits
• No Insurance benefits

Pros

• 1% fuel surcharge will be applicable on fuel transactions
• Earn up to 8 InterMiles per Rs 100 spent
• Enjoy your favourite movies with offers on BookMyShow and Inox

Cons

• High-interest rate
• High Joining Fees
• No Golf Privileges

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