Axis Bank Privilege Credit Card vs InterMiles ICICI Rubyx Credit Card

• Milestone Benefit: Avail additional 10,000 Edge reward points worth Rs. 2000 upon achieving spends milestone of Rs. 5 lakh in a card anniversary year

• Annual fees reversal on achieving spends of Rs. 5 Lakhs in the previous card anniversary year
• 2 Complimentary access per calendar quarter to select domestic lounges. Do note to be eligible for the access you have to do 50K spends in prior 3 months
• With EazyDiner, Axis Bank Dining Delights program, get Rs. 1000 off and more
• Fuel surcharge refund on spends at all fuel stations across India. Avail  this offer on transactions between Rs. 400 and Rs. 4,000 only.
• Get Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points. Avail points for the following transaction: 10 points on every Rs 200 Spent on the credit card domestically/Internationally
• Purchase Protection Plan up to Rs. 1 Lakhs
• Credit Shield 1 Lakh
• Loss Travel Documents Cover up to 300 USD
• Delay of Check-in Baggage cover up to 300 USD
• Loss of Check-in Baggage Cover up to 500 USD

• 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

• Milestone and Activation benefits
• Complimentary Airport Lounge Access

Cons 

• No complimentary Golf lessons
• Annual interest rate is too high

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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