Compare InterMiles ICICI Rubyx Credit Card vs ICICI Sapphiro Credit Card

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

Get up to 20,000 PAYBACK points every anniversary year

4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year
1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
American Express EPAY simplifies the process of paying utility bills
Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives

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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Pros

Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
Complimentary Domestic Airport Spa visits

Cons